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 | |