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 | |