Gainesville, FL · Charter 67432
NCUA · 2 branches
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |