Champions First
Tallahassee, FL · Charter 67874 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
$540.7MAssets
$419.4MLoans
$478.8MShares
$57.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 50% of credit unions under $1B in assets (rank 836 of 1681).
- Widest gap: net interest margin trails 78% of credit unions under $1B in assets (rank 1318 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.62%
Rank 982 of 1,683
Net Interest Margin
3.23%
Rank 1,318 of 1,683
Efficiency Ratio
79.05%
Rank 886 of 1,682
Equity / Assets
10.54%
Rank 1,248 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 42% | 982 / 1,683 | | |
| Return on Equity | 5.92% | 2.67% | 5.89% | 8.74% | Beats 50% | 836 / 1,681 | | |
| Net Interest Margin | 3.23% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,318 / 1,683 | | |
| Efficiency Ratio | 79.05% | 68.91% | 78.20% | 86.93% | Beats 47% | 886 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.27% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,254 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.54% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,248 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.54% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,248 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.58% | 52.61% | 69.38% | 83.50% | 82nd pctl | 295 / 1,683 | | |
| Loans / Assets | 77.57% | 44.71% | 59.18% | 70.72% | 88th pctl | 204 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |