Jacksonville, FL · Charter 61170
NCUA · 18 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.35% | 0.31% | 0.37% | 0.45% | 0.47% | 0.64% | 0.71% | +35 bps | |
| Return on Equity | 2.78% | 2.67% | 2.40% | 2.83% | 3.55% | 3.69% | 4.97% | 5.49% | +266 bps | |
| Net Interest Margin | 2.61% | 2.61% | 2.71% | 2.71% | 2.74% | 2.77% | 3.01% | 3.00% | +29 bps | |
| Efficiency Ratio | 75.32% | 76.63% | 79.74% | 81.20% | 79.03% | 78.45% | 74.99% | 74.73% | -647 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 1.50% | 0.14% | 3.04% | 4.19% | 4.59% | 4.82% | 4.08% | +104 bps | |
| Loan Growth (YoY) | 4.91% | 8.00% | 9.41% | 10.46% | 9.57% | 8.30% | 8.20% | 5.59% | -487 bps | |
| Share Growth (YoY) | 1.45% | 0.26% | -1.33% | 0.25% | 0.99% | 3.64% | 4.62% | 4.89% | +465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.60% | 0.47% | 0.63% | 0.59% | 0.82% | 0.62% | 0.65% | +2 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 | 13.00% | 13.02% | 13.03% | 12.93% | 12.79% | 12.81% | 12.88% | 12.96% | +3 bps | |
| Net Worth / Assets | 13.00% | 13.02% | 13.03% | 12.93% | 12.79% | 12.81% | 12.88% | 12.96% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.92% | 89.84% | 89.61% | 92.15% | 93.22% | 93.88% | 92.68% | 92.76% | +61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |