Jacksonville, FL · Charter 67290
NCUA · 26 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 | 0.58% | 0.25% | 0.72% | 0.99% | 0.99% | 0.92% | 0.68% | 0.88% | -11 bps | |
| Return on Equity | 4.52% | 1.96% | 5.71% | 7.62% | 7.64% | 7.37% | 5.64% | 7.18% | -43 bps | |
| Net Interest Margin | 3.10% | 3.20% | 3.41% | 3.56% | 3.53% | 3.39% | 3.33% | 3.34% | -22 bps | |
| Efficiency Ratio | 64.91% | 64.84% | 65.58% | 61.42% | 62.30% | 63.13% | 66.77% | 64.81% | +339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.43% | 1.18% | 1.00% | 3.07% | 3.28% | 10.51% | 12.35% | 14.39% | +1,132 bps | |
| Loan Growth (YoY) | 5.04% | 5.24% | 7.53% | 9.31% | 9.04% | 9.79% | 9.78% | 11.17% | +186 bps | |
| Share Growth (YoY) | 4.23% | 7.78% | 6.85% | 4.67% | 5.18% | 10.26% | 12.81% | 15.19% | +1,052 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.77% | 0.65% | 0.74% | 0.70% | 0.80% | 0.60% | 0.63% | -11 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 | 12.80% | 12.79% | 12.64% | 13.03% | 12.94% | 12.48% | 12.13% | 12.26% | -77 bps | |
| Net Worth / Assets | 12.80% | 12.79% | 12.64% | 13.03% | 12.94% | 12.48% | 12.13% | 12.26% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.78% | 84.72% | 84.38% | 88.27% | 87.90% | 84.36% | 82.12% | 85.18% | -308 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |