Tallahassee, FL · Charter 67329
NCUA · 13 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,637 to 1,639). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
22
Profitability
19
Liquidity
67
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Tallahassee, FL · Charter 67329
NCUA · 13 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.57% | 0.52% | 0.45% | 0.44% | 0.17% | 0.26% | -1.73% | -218 bps | |
| Return on Equity | 5.53% | 5.24% | 4.73% | 4.15% | 3.92% | 1.57% | 2.29% | -16.90% | -2,105 bps | |
| Net Interest Margin | 3.57% | 3.39% | 3.51% | 3.51% | 3.66% | 3.64% | 3.82% | 3.89% | +38 bps | |
| Efficiency Ratio | 83.65% | 84.97% | 84.44% | 84.55% | 84.30% | 87.57% | 85.36% | 107.06% | +2,251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.97% | 6.49% | 4.23% | 4.85% | 0.38% | -0.55% | -1.74% | -4.84% | -969 bps | |
| Loan Growth (YoY) | 15.59% | 11.82% | 7.45% | 2.84% | 0.77% | -0.35% | -2.99% | -5.05% | -788 bps | |
| Share Growth (YoY) | 1.36% | 3.15% | 3.69% | 6.27% | 2.20% | 1.69% | 0.63% | -2.93% | -920 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.77% | 1.23% | 1.70% | 1.89% | 1.48% | 1.43% | 1.46% | -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 | 10.99% | 10.78% | 10.97% | 10.93% | 11.33% | 11.12% | 11.40% | 10.21% | -71 bps | |
| Net Worth / Assets | 10.99% | 10.78% | 10.97% | 10.93% | 11.33% | 11.12% | 11.40% | 10.21% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.28% | 81.01% | 82.67% | 81.25% | 82.11% | 79.38% | 79.69% | 79.48% | -177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tallahassee, FL · Charter 67329 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 13 branches
Q3 2025
Return on Assets
-1.73%
Rank 1,610 of 1,639
Net Interest Margin
3.89%
Rank 769 of 1,638
Efficiency Ratio
107.05%
Rank 1,581 of 1,637
Equity / Assets
10.21%
Rank 1,260 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.73% | 0.40% | 0.81% | 1.29% | Beats 2% | 1,610 / 1,639 | ||
| Return on Equity | -16.90% | 3.02% | 6.34% | 9.49% | Beats 1% | 1,616 / 1,638 | ||
| Net Interest Margin | 3.89% | 3.27% | 3.83% | 4.38% | Beats 53% | 769 / 1,638 | ||
| Efficiency Ratio | 107.05% | 67.38% | 76.32% | 84.73% | Beats 3% | 1,581 / 1,637 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.46% | 0.27% | 0.68% | 1.33% | Beats 22% | 1,276 / 1,637 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.21% | 10.38% | 12.80% | 16.53% | Beats 23% | 1,260 / 1,639 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.21% | 10.39% | 12.80% | 16.53% | Beats 23% | 1,260 / 1,638 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.48% | 55.01% | 72.16% | 85.44% | 65th pctl | 577 / 1,638 | ||
| Loans / Assets | 69.84% | 46.69% | 60.81% | 72.42% | 69th pctl | 500 / 1,638 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||