Jacksonville, FL · Charter 68490
NCUA · 98 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
36
Profitability
29
Liquidity
41
Efficiency
24
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.
Jacksonville, FL · Charter 68490
NCUA · 98 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 | 0.15% | -0.60% | 0.33% | 0.29% | 0.39% | 0.41% | 0.41% | 0.48% | +19 bps | |
| Return on Equity | 1.69% | -7.14% | 3.95% | 3.37% | 4.51% | 4.66% | 4.65% | 5.49% | +212 bps | |
| Net Interest Margin | 2.88% | 3.09% | 3.09% | 3.18% | 3.25% | 3.33% | 3.36% | 3.29% | +12 bps | |
| Efficiency Ratio | 82.80% | 84.58% | 77.89% | 79.07% | 77.28% | 76.84% | 72.62% | 72.58% | -649 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.92% | 2.92% | -4.91% | -5.18% | -5.73% | -1.85% | -1.72% | 2.05% | +723 bps | |
| Loan Growth (YoY) | 5.37% | 4.85% | -0.81% | -0.81% | 1.61% | 2.37% | 5.61% | 7.36% | +817 bps | |
| Share Growth (YoY) | 3.94% | 6.48% | 2.86% | 2.32% | 2.74% | 3.74% | 2.14% | 1.13% | -119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.02% | 0.74% | 1.23% | 1.40% | 1.48% | 1.22% | 1.25% | +2 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 | 8.80% | 8.41% | 8.45% | 8.54% | 8.75% | 8.81% | 8.86% | 8.71% | +16 bps | |
| Net Worth / Assets | 8.80% | 8.41% | 8.45% | 8.54% | 8.75% | 8.81% | 8.86% | 8.71% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.42% | 93.16% | 88.96% | 90.43% | 92.39% | 91.93% | 91.98% | 96.00% | +557 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 97.54% | +9,754 bps | |
Jacksonville, FL · Charter 68490 · Peer group: credit unions any (n=25)
NCUA · 98 branches
Q2 2026
Return on Assets
0.48%
Rank 22 of 25
Net Interest Margin
3.29%
Rank 12 of 25
Efficiency Ratio
72.58%
Rank 20 of 25
Equity / Assets
8.71%
Rank 24 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.54% | 0.87% | 1.36% | Beats 12% | 22 / 25 | ||
| Return on Equity | 5.49% | 5.49% | 9.20% | 10.99% | Beats 24% | 19 / 25 | ||
| Net Interest Margin | 3.29% | 2.86% | 3.13% | 3.50% | Beats 52% | 12 / 25 | ||
| Efficiency Ratio | 72.58% | 54.62% | 61.07% | 70.28% | Beats 24% | 20 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.25% | 0.64% | 0.92% | 1.30% | Beats 36% | 17 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.71% | 9.55% | 10.72% | 11.84% | Beats 4% | 24 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.71% | 9.55% | 10.72% | 11.84% | Beats 4% | 24 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.00% | 81.23% | 88.75% | 93.33% | 76th pctl | 6 / 25 | ||
| Loans / Assets | 75.14% | 68.82% | 78.26% | 79.51% | 40th pctl | 15 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||