Jacksonville, FL · Charter 26
NCUA · 1 branch
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 in the Atlanta-Sandy Springs-Roswell, GA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
100
Profitability
34
Liquidity
0
Efficiency
47
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 26
NCUA · 1 branch
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 | 0.40% | 0.37% | 0.70% | 0.76% | 0.73% | 0.67% | 0.64% | 0.22% | -53 bps | |
| Return on Equity | 3.84% | 3.53% | 7.09% | 7.30% | 6.98% | 6.41% | 6.13% | 2.11% | -519 bps | |
| Net Interest Margin | 2.89% | 2.92% | 2.92% | 3.15% | 3.23% | 3.29% | 3.26% | 3.34% | +19 bps | |
| Efficiency Ratio | 86.68% | 88.17% | 84.63% | 82.19% | 82.37% | 84.21% | 85.78% | 83.38% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.64% | 0.30% | 5.55% | 2.07% | 4.31% | 4.39% | -0.48% | 3.40% | +134 bps | |
| Loan Growth (YoY) | -7.35% | -6.52% | -7.85% | -2.58% | -0.67% | -6.92% | -8.36% | 3.93% | +651 bps | |
| Share Growth (YoY) | 0.79% | -0.33% | 7.49% | 4.48% | 4.16% | 4.70% | -0.99% | 3.25% | -123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.00% | 0.00% | 0.13% | 0.08% | 0.03% | 0.00% | 0.00% | -13 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 | 10.36% | 10.36% | 9.85% | 10.37% | 10.46% | 10.51% | 10.46% | 10.58% | +20 bps | |
| Net Worth / Assets | 10.36% | 10.36% | 9.85% | 10.37% | 10.46% | 10.51% | 10.46% | 10.58% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.12% | 32.77% | 29.44% | 31.49% | 30.63% | 29.13% | 27.25% | 31.70% | +21 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 26 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
0.22%
Rank 13 of 19
Net Interest Margin
3.34%
Rank 13 of 19
Efficiency Ratio
83.41%
Rank 11 of 19
Equity / Assets
10.58%
Rank 15 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | -0.11% | 0.66% | 1.27% | Beats 32% | 13 / 19 | ||
| Return on Equity | 2.11% | -0.53% | 4.88% | 8.56% | Beats 37% | 12 / 19 | ||
| Net Interest Margin | 3.34% | 3.04% | 3.58% | 4.03% | Beats 32% | 13 / 19 | ||
| Efficiency Ratio | 83.41% | 67.29% | 83.22% | 91.36% | Beats 47% | 11 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.50% | 1.13% | Beats 100% | 3 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.58% | 10.58% | 12.87% | 17.85% | Beats 21% | 15 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.58% | 10.58% | 12.87% | 17.85% | Beats 21% | 15 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.70% | 41.38% | 66.89% | 77.97% | 0th pctl | 19 / 19 | ||
| Loans / Assets | 28.27% | 33.12% | 56.90% | 65.75% | 5th pctl | 18 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||