Fernandina Beac, FL · Charter 67933
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
99
Asset Quality
66
Profitability
27
Liquidity
76
Efficiency
38
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.
Fernandina Beac, FL · Charter 67933
NCUA · 2 branches
Q2 2026
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.44% | 0.20% | 0.38% | 0.32% | 0.55% | 0.47% | 0.57% | +19 bps | |
| Return on Equity | 0.99% | 1.01% | 0.46% | 0.86% | 0.71% | 1.20% | 1.03% | 1.19% | +34 bps | |
| Net Interest Margin | 2.81% | 2.92% | 2.84% | 2.98% | 3.08% | 3.25% | 3.10% | 3.33% | +34 bps | |
| Efficiency Ratio | 100.25% | 96.36% | 93.11% | 87.79% | 90.20% | 83.86% | 85.37% | 83.34% | -446 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.99% | -9.11% | -5.46% | -6.14% | -4.77% | -4.69% | -1.36% | -6.49% | -35 bps | |
| Loan Growth (YoY) | -5.82% | 0.42% | 2.46% | 2.87% | 6.85% | -0.82% | -6.98% | -15.22% | -1,809 bps | |
| Share Growth (YoY) | -14.89% | -15.62% | -10.15% | -11.30% | -8.65% | -8.99% | -3.29% | -12.66% | -135 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.41% | +41 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 | 42.69% | 43.52% | 44.57% | 44.61% | 44.82% | 45.85% | 45.44% | 47.99% | +338 bps | |
| Net Worth / Assets | 42.69% | 43.52% | 44.57% | 44.61% | 44.82% | 45.85% | 45.44% | 47.99% | +338 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.99% | 59.88% | 62.32% | 63.92% | 66.66% | 65.25% | 59.95% | 62.05% | -187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fernandina Beac, FL · Charter 67933 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.58%
Rank 1,043 of 1,683
Net Interest Margin
3.36%
Rank 1,239 of 1,683
Efficiency Ratio
82.29%
Rank 1,049 of 1,682
Equity / Assets
47.99%
Rank 9 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,043 / 1,683 | ||
| Return on Equity | 1.20% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,409 / 1,681 | ||
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,239 / 1,683 | ||
| Efficiency Ratio | 82.29% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,049 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 66% | 567 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 47.99% | 10.44% | 12.89% | 16.53% | Beats 99% | 9 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 47.99% | 10.44% | 12.89% | 16.53% | Beats 99% | 9 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.04% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,052 / 1,683 | ||
| Loans / Assets | 32.09% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,521 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||