PackageTrendsPeer
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JM Associates

Jacksonville, FL · Charter 23709

NCUA · 5 branches

Q2 2026

$151.2MAssets
$100.7MLoans
$130.8MShares
$23.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.49%, up 79 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.71% of loans (+20 bps YoY).
  • Capital: net worth / assets of 15.47%, up 24 bps from a year ago.
  • Funding: loans stand at 76.99% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.49%+79 bps YoY

Net Interest Margin (quarter, annualized)

4.22%+47 bps YoY

Efficiency Ratio (quarter, annualized)

70.93%-711 bps YoY

Net Worth / Assets

15.47%+24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.28%0.28%-0.16%1.49%+79 bps
Return on Equity4.59%1.83%1.85%-1.09%9.64%+504 bps
Net Interest Margin3.75%3.92%3.89%4.07%4.22%+47 bps
Efficiency Ratio78.04%82.60%83.36%94.26%70.93%-711 bps
Growth
Asset Growth (YoY)-4.93%-6.42%-2.09%0.15%2.72%+765 bps
Loan Growth (YoY)2.89%3.36%4.44%5.28%3.12%+23 bps
Share Growth (YoY)-0.03%2.00%1.10%0.56%2.81%+283 bps
Asset Quality
Delinquent Loans / Loans0.51%1.05%0.77%0.76%0.71%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.22%15.37%15.03%14.54%15.47%+24 bps
Net Worth / Assets15.22%15.37%15.03%14.54%15.47%+24 bps
Liquidity & Funding
Loans / Shares76.76%79.39%77.60%76.12%76.99%+23 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps