Florida
Gainesville, FL · Charter 60497 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$2.8BAssets
$2.3BLoans
$2.4BShares
$356.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of credit unions $1B-$10B in assets (rank 27 of 435).
- Widest gap: nonperforming loans / loans trails 59% of credit unions $1B-$10B in assets (rank 256 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.42%
Rank 49 of 435
Net Interest Margin
3.68%
Rank 124 of 435
Efficiency Ratio
55.12%
Rank 27 of 435
Equity / Assets
12.70%
Rank 105 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.55% | 0.81% | 1.14% | Beats 89% | 49 / 435 | | |
| Return on Equity | 11.18% | 5.12% | 7.41% | 9.70% | Beats 85% | 64 / 435 | | |
| Net Interest Margin | 3.68% | 3.01% | 3.39% | 3.75% | Beats 71% | 124 / 435 | | |
| Efficiency Ratio | 55.12% | 65.25% | 71.39% | 77.86% | Beats 94% | 27 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.45% | 0.69% | 1.05% | Beats 41% | 256 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.70% | 9.81% | 10.84% | 12.63% | Beats 76% | 104 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.70% | 9.81% | 10.84% | 12.63% | Beats 76% | 105 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.33% | 78.33% | 88.38% | 95.61% | 77th pctl | 101 / 435 | | |
| Loans / Assets | 81.45% | 67.69% | 74.58% | 80.80% | 79th pctl | 93 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |