Gainesville, FL · Charter 67432
NCUA · 2 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 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=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
5
Profitability
34
Liquidity
90
Efficiency
18
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.
Gainesville, FL · Charter 67432
NCUA · 2 branches
Q1 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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.19% | -0.11% | -5.28% | -4.40% | -5.35% | -4.49% | -0.57% | +471 bps | |
| Return on Equity | 2.10% | 2.90% | -1.63% | -97.79% | -96.71% | -181.61% | -169.12% | -23.42% | +7,437 bps | |
| Net Interest Margin | 4.92% | 5.28% | 5.17% | 4.97% | 5.10% | 5.37% | 5.37% | 5.05% | +8 bps | |
| Efficiency Ratio | 82.12% | 83.65% | 85.87% | 111.51% | 107.88% | 105.65% | 107.44% | 92.26% | -1,925 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.05% | -0.62% | -4.80% | -6.25% | -6.77% | -8.07% | -8.20% | -4.48% | +177 bps | |
| Loan Growth (YoY) | 15.97% | 7.85% | 2.76% | -4.31% | -8.99% | -11.97% | -15.63% | -17.33% | -1,302 bps | |
| Share Growth (YoY) | -2.50% | -3.34% | -5.08% | -4.23% | -3.53% | -1.65% | -3.33% | -1.00% | +323 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.45% | 3.99% | 4.60% | 3.54% | 3.52% | 2.96% | 3.60% | 3.28% | -26 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 | 6.44% | 6.71% | 6.62% | 5.40% | 4.55% | 2.95% | 2.65% | 2.45% | -295 bps | |
| Net Worth / Assets | 6.44% | 6.71% | 6.62% | 5.40% | 4.55% | 2.95% | 2.65% | 2.45% | -295 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.58% | 83.21% | 83.14% | 80.50% | 77.90% | 74.47% | 72.57% | 67.22% | -1,327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gainesville, FL · Charter 67432 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 2 branches
Q1 2025
Return on Assets
-0.57%
Rank 1,544 of 1,678
Net Interest Margin
5.06%
Rank 138 of 1,677
Efficiency Ratio
92.13%
Rank 1,373 of 1,675
Equity / Assets
2.45%
Rank 1,673 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.57% | 0.24% | 0.67% | 1.21% | Beats 8% | 1,544 / 1,678 | ||
| Return on Equity | -23.43% | 1.96% | 5.37% | 8.99% | Beats 1% | 1,651 / 1,675 | ||
| Net Interest Margin | 5.06% | 3.12% | 3.67% | 4.25% | Beats 92% | 138 / 1,677 | ||
| Efficiency Ratio | 92.13% | 68.92% | 78.89% | 88.44% | Beats 18% | 1,373 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.27% | 0.21% | 0.58% | 1.19% | Beats 5% | 1,589 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 2.45% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,674 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 2.45% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,673 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.22% | 54.28% | 70.33% | 83.29% | 44th pctl | 942 / 1,677 | ||
| Loans / Assets | 66.82% | 46.21% | 59.98% | 70.96% | 65th pctl | 581 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||