Jacksonville, FL · Charter 67717
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.80% | 1.28% | 1.07% | 1.02% | 0.87% | 0.70% | 0.47% | -61 bps | |
| Return on Equity | 8.72% | 7.43% | 11.55% | 9.23% | 8.48% | 6.91% | 5.46% | 3.51% | -572 bps | |
| Net Interest Margin | 3.93% | 3.90% | 3.87% | 4.01% | 4.07% | 4.21% | 3.96% | 4.07% | +7 bps | |
| Efficiency Ratio | 75.86% | 77.89% | 72.60% | 74.58% | 77.84% | 80.39% | 87.52% | 88.79% | +1,421 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.23% | 0.73% | 0.23% | -0.55% | -3.56% | -8.60% | -8.74% | -8.67% | -811 bps | |
| Loan Growth (YoY) | 5.10% | 1.87% | -0.74% | -2.34% | -1.94% | -5.15% | -6.58% | -8.53% | -619 bps | |
| Share Growth (YoY) | -3.29% | -0.16% | -0.76% | -1.62% | -4.98% | -9.94% | -10.59% | -10.43% | -881 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.12% | 0.04% | 0.80% | 0.68% | 0.19% | 0.14% | 0.57% | -22 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 | 10.78% | 10.77% | 11.06% | 11.62% | 12.05% | 12.66% | 12.81% | 13.26% | +165 bps | |
| Net Worth / Assets | 10.78% | 10.77% | 11.06% | 11.62% | 12.05% | 12.66% | 12.81% | 13.26% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.06% | 44.80% | 44.73% | 45.92% | 46.50% | 47.19% | 46.73% | 46.89% | +97 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |