Jacksonville, FL · Charter 1115
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.41% | 0.44% | 0.05% | 0.23% | -15 bps | |
| Return on Equity | 3.25% | 3.39% | 3.69% | 0.45% | 2.02% | -123 bps | |
| Net Interest Margin | 3.89% | 3.98% | 3.97% | 3.75% | 3.82% | -7 bps | |
| Efficiency Ratio | 86.32% | 86.83% | 87.53% | 90.70% | 88.95% | +263 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.77% | -3.71% | -0.27% | 2.84% | 3.10% | +687 bps | |
| Loan Growth (YoY) | 0.96% | 1.81% | 0.90% | -1.91% | -1.71% | -267 bps | |
| Share Growth (YoY) | -1.16% | -0.47% | 2.91% | 2.54% | 2.56% | +372 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.44% | 0.38% | 0.23% | 0.41% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.70% | 12.03% | 12.05% | 11.44% | 11.63% | -7 bps | |
| Net Worth / Assets | 11.70% | 12.03% | 12.05% | 11.44% | 11.63% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.30% | 74.35% | 72.54% | 70.21% | 72.16% | -313 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |