Tallahassee, FL · Charter 67329
NCUA · 13 branches
Q3 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.44% | 0.17% | 0.26% | -1.73% | -218 bps | |
| Return on Equity | 4.15% | 3.92% | 1.57% | 2.29% | -16.90% | -2,105 bps | |
| Net Interest Margin | 3.51% | 3.66% | 3.64% | 3.82% | 3.89% | +38 bps | |
| Efficiency Ratio | 84.55% | 84.30% | 87.57% | 85.36% | 107.06% | +2,251 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.85% | 0.38% | -0.55% | -1.74% | -4.84% | -969 bps | |
| Loan Growth (YoY) | 2.84% | 0.77% | -0.35% | -2.99% | -5.05% | -788 bps | |
| Share Growth (YoY) | 6.27% | 2.20% | 1.69% | 0.63% | -2.93% | -920 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.93% | 11.33% | 11.12% | 11.40% | 10.21% | -71 bps | |
| Net Worth / Assets | 10.93% | 11.33% | 11.12% | 11.40% | 10.21% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |