Jacksonville, FL · Charter 23709
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
48
Profitability
79
Liquidity
66
Efficiency
71
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jacksonville, FL · Charter 23709
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.20% | 0.01% | 0.70% | 0.28% | 0.28% | -0.16% | 1.49% | +79 bps | |
| Return on Equity | 2.62% | 1.41% | 0.07% | 4.59% | 1.83% | 1.85% | -1.09% | 9.64% | +504 bps | |
| Net Interest Margin | 3.39% | 3.44% | 3.55% | 3.75% | 3.92% | 3.89% | 4.07% | 4.22% | +47 bps | |
| Efficiency Ratio | 85.01% | 85.51% | 89.52% | 78.04% | 82.60% | 83.36% | 94.26% | 70.93% | -711 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.07% | -6.65% | -8.37% | -4.93% | -6.42% | -2.09% | 0.15% | 2.72% | +765 bps | |
| Loan Growth (YoY) | 1.68% | 1.02% | 1.92% | 2.89% | 3.36% | 4.44% | 5.28% | 3.12% | +23 bps | |
| Share Growth (YoY) | -6.37% | -4.60% | -4.05% | -0.03% | 2.00% | 1.10% | 0.56% | 2.81% | +283 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.53% | 0.45% | 0.51% | 1.05% | 0.77% | 0.76% | 0.71% | +20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.30% | 14.48% | 14.37% | 15.22% | 15.37% | 15.03% | 14.54% | 15.47% | +24 bps | |
| Net Worth / Assets | 14.30% | 14.48% | 14.37% | 15.22% | 15.37% | 15.03% | 14.54% | 15.47% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.35% | 75.12% | 72.70% | 76.76% | 79.39% | 77.60% | 76.12% | 76.99% | +23 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jacksonville, FL · Charter 23709 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.49%
Rank 249 of 1,683
Net Interest Margin
4.22%
Rank 496 of 1,683
Efficiency Ratio
70.92%
Rank 494 of 1,682
Equity / Assets
15.47%
Rank 502 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.35% | 0.74% | 1.18% | Beats 85% | 249 / 1,683 | ||
| Return on Equity | 9.64% | 2.67% | 5.89% | 8.74% | Beats 81% | 321 / 1,681 | ||
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 496 / 1,683 | ||
| Efficiency Ratio | 70.92% | 68.91% | 78.20% | 86.93% | Beats 71% | 494 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.26% | 0.65% | 1.29% | Beats 48% | 883 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.47% | 10.44% | 12.89% | 16.53% | Beats 70% | 502 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.47% | 10.44% | 12.89% | 16.53% | Beats 70% | 502 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.99% | 52.61% | 69.38% | 83.50% | 64th pctl | 606 / 1,683 | ||
| Loans / Assets | 66.61% | 44.71% | 59.18% | 70.72% | 66th pctl | 579 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||