North Florida Education
Tallahassee, FL · Charter 67329 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 13 branches
Q3 2025
$829.4MAssets
$579.2MLoans
$728.7MShares
$84.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 53% of credit unions under $1B in assets (rank 769 of 1638).
- Widest gap: return on equity trails 99% of credit unions under $1B in assets (rank 1616 of 1638).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 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 |