PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Florida

Jacksonville, FL · Charter 61170

NCUA · 18 branches

Q2 2026

$1.5BAssets
$1.1BLoans
$1.1BShares
$190.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.71%, up 35 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.65% of loans (+2 bps YoY).
  • Capital: net worth / assets of 12.96%, up 3 bps from a year ago.
  • Funding: loans stand at 92.76% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.71%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.00%+29 bps YoY

Efficiency Ratio (quarter, annualized)

74.73%-647 bps YoY

Net Worth / Assets

12.96%+3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.45%0.47%0.64%0.71%+35 bps
Return on Equity2.83%3.55%3.69%4.97%5.49%+266 bps
Net Interest Margin2.71%2.74%2.77%3.01%3.00%+29 bps
Efficiency Ratio81.20%79.03%78.45%74.99%74.73%-647 bps
Growth
Asset Growth (YoY)3.04%4.19%4.59%4.82%4.08%+104 bps
Loan Growth (YoY)10.46%9.57%8.30%8.20%5.59%-487 bps
Share Growth (YoY)0.25%0.99%3.64%4.62%4.89%+465 bps
Asset Quality
Delinquent Loans / Loans0.63%0.59%0.82%0.62%0.65%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.93%12.79%12.81%12.88%12.96%+3 bps
Net Worth / Assets12.93%12.79%12.81%12.88%12.96%+3 bps
Liquidity & Funding
Loans / Shares92.15%93.22%93.88%92.68%92.76%+61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps