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 | |