Florida A & M University
Tallahassee, FL · Charter 187 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$28.0MAssets
$10.6MLoans
$23.8MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 67% of credit unions under $1B in assets (rank 552 of 1683).
- Widest gap: return on equity trails 98% of credit unions under $1B in assets (rank 1642 of 1681).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.78%
Rank 1,641 of 1,683
Net Interest Margin
4.16%
Rank 552 of 1,683
Efficiency Ratio
114.60%
Rank 1,628 of 1,682
Equity / Assets
11.88%
Rank 1,013 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.78% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,641 / 1,683 | |
| Return on Equity | -15.00% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,642 / 1,681 | |
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 67% | 552 / 1,683 | |
| Efficiency Ratio | 114.60% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,628 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.46% | 0.26% | 0.65% | 1.29% | Beats 6% | 1,579 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.88% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,013 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.88% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,013 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 44.54% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,415 / 1,683 | |
| Loans / Assets | 37.84% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,411 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |