First Florida
Jacksonville, FL · Charter 61170 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
$1.5BAssets
$1.1BLoans
$1.1BShares
$190.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 79% of credit unions $1B-$10B in assets (rank 91 of 435).
- Widest gap: net interest margin trails 76% of credit unions $1B-$10B in assets (rank 332 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.71%
Rank 265 of 435
Net Interest Margin
3.00%
Rank 332 of 435
Efficiency Ratio
74.73%
Rank 269 of 435
Equity / Assets
12.96%
Rank 91 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.55% | 0.81% | 1.14% | Beats 39% | 265 / 435 | |
| Return on Equity | 5.49% | 5.12% | 7.41% | 9.70% | Beats 29% | 309 / 435 | |
| Net Interest Margin | 3.00% | 3.01% | 3.39% | 3.75% | Beats 24% | 332 / 435 | |
| Efficiency Ratio | 74.73% | 65.25% | 71.39% | 77.86% | Beats 38% | 269 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.45% | 0.69% | 1.05% | Beats 53% | 206 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.96% | 9.81% | 10.84% | 12.63% | Beats 79% | 91 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.96% | 9.81% | 10.84% | 12.63% | Beats 79% | 91 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 92.76% | 78.33% | 88.38% | 95.61% | 64th pctl | 156 / 435 | |
| Loans / Assets | 71.77% | 67.69% | 74.58% | 80.80% | 38th pctl | 268 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |