Jacksonville, FL · Charter 67316
NCUA · 11 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.59% | 1.08% | 0.81% | 0.79% | 0.76% | 0.88% | 1.14% | +33 bps | |
| Return on Equity | 4.98% | 5.35% | 9.83% | 7.14% | 6.77% | 6.56% | 7.74% | 9.74% | +261 bps | |
| Net Interest Margin | 2.66% | 2.85% | 3.16% | 3.23% | 3.26% | 3.22% | 3.10% | 3.12% | -11 bps | |
| Efficiency Ratio | 80.18% | 80.20% | 65.25% | 72.67% | 74.04% | 73.34% | 74.25% | 69.69% | -298 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 66.11% | 63.35% | 65.17% | -1.99% | -1.65% | 1.05% | 2.26% | 5.39% | +738 bps | |
| Loan Growth (YoY) | 73.53% | 71.17% | 75.76% | 0.84% | -1.15% | 1.01% | 1.06% | 3.61% | +277 bps | |
| Share Growth (YoY) | 64.49% | 64.74% | 66.38% | -1.89% | -2.28% | 0.12% | 1.69% | 4.98% | +687 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.78% | 0.73% | 0.71% | 0.86% | 0.54% | 0.41% | 0.47% | -24 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 | 10.65% | 11.00% | 10.98% | 11.40% | 11.61% | 11.64% | 11.43% | 11.73% | +33 bps | |
| Net Worth / Assets | 10.65% | 11.00% | 10.98% | 11.40% | 11.61% | 11.64% | 11.43% | 11.73% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.68% | 64.54% | 63.60% | 66.56% | 65.43% | 65.12% | 63.20% | 65.69% | -87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |