F.R.S.A.
Winter Park, FL · Charter 68018 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
$5.4MAssets
$4.0MLoans
$4.8MShares
$584KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 77% of credit unions under $1B in assets (rank 401 of 1748).
- Widest gap: nonperforming loans / loans trails 68% of credit unions under $1B in assets (rank 1190 of 1748).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.00%
Rank 575 of 1,753
Net Interest Margin
3.97%
Rank 568 of 1,752
Efficiency Ratio
68.64%
Rank 401 of 1,748
Equity / Assets
10.83%
Rank 1,138 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.23% | 0.68% | 1.19% | Beats 67% | 575 / 1,753 | n/a | |
| Return on Equity | 9.25% | 1.80% | 5.29% | 9.05% | Beats 76% | 421 / 1,750 | n/a | |
| Net Interest Margin | 3.97% | 2.98% | 3.54% | 4.20% | Beats 68% | 568 / 1,752 | n/a | |
| Efficiency Ratio | 68.64% | 69.58% | 78.86% | 88.33% | Beats 77% | 401 / 1,748 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.22% | 0.59% | 1.20% | Beats 32% | 1,190 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.84% | 9.91% | 12.21% | 15.57% | Beats 35% | 1,136 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.83% | 9.91% | 12.21% | 15.57% | Beats 35% | 1,138 / 1,752 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 82.36% | 55.88% | 73.01% | 86.61% | 67th pctl | 573 / 1,750 | n/a | |
| Loans / Assets | 73.51% | 48.21% | 62.51% | 73.23% | 75th pctl | 435 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |