Jacksonville, FL · Charter 26
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.73% | 0.67% | 0.64% | 0.22% | -53 bps | |
| Return on Equity | 7.30% | 6.98% | 6.41% | 6.13% | 2.11% | -519 bps | |
| Net Interest Margin | 3.15% | 3.23% | 3.29% | 3.26% | 3.34% | +19 bps | |
| Efficiency Ratio | 82.19% | 82.37% | 84.21% | 85.78% | 83.38% | +119 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.07% | 4.31% | 4.39% | -0.48% | 3.40% | +134 bps | |
| Loan Growth (YoY) | -2.58% | -0.67% | -6.92% | -8.36% | 3.93% | +651 bps | |
| Share Growth (YoY) | 4.48% | 4.16% | 4.70% | -0.99% | 3.25% | -123 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.37% | 10.46% | 10.51% | 10.46% | 10.58% | +20 bps | |
| Net Worth / Assets | 10.37% | 10.46% | 10.51% | 10.46% | 10.58% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |