Florida Customs
Tampa, FL · Charter 378 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$6.8MAssets
$2.4MLoans
$4.8MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of credit unions under $1B in assets (rank 76 of 1683).
- Widest gap: efficiency ratio trails 89% of credit unions under $1B in assets (rank 1499 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.26%
Rank 1,341 of 1,683
Net Interest Margin
4.54%
Rank 308 of 1,683
Efficiency Ratio
94.51%
Rank 1,499 of 1,682
Equity / Assets
26.76%
Rank 76 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.26% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,341 / 1,683 | |
| Return on Equity | 0.99% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,429 / 1,681 | |
| Net Interest Margin | 4.54% | 3.31% | 3.82% | 4.32% | Beats 82% | 308 / 1,683 | |
| Efficiency Ratio | 94.51% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,499 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 588 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 26.76% | 10.44% | 12.89% | 16.53% | Beats 95% | 76 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 26.76% | 10.44% | 12.89% | 16.53% | Beats 95% | 76 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 50.57% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,312 / 1,683 | |
| Loans / Assets | 35.77% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,453 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |