Palatka, FL · Charter 68524
NCUA · 3 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=1,637 to 1,639). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
70
Profitability
49
Liquidity
0
Efficiency
43
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.
Palatka, FL · Charter 68524
NCUA · 3 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.12% | 1.06% | 1.03% | 0.95% | 0.99% | 0.91% | 0.83% | -21 bps | |
| Return on Equity | 8.40% | 9.40% | 8.67% | 8.16% | 7.36% | 7.78% | 7.07% | 6.25% | -191 bps | |
| Net Interest Margin | 3.17% | 3.27% | 3.36% | 3.46% | 3.52% | 3.56% | 3.65% | 3.77% | +30 bps | |
| Efficiency Ratio | 74.23% | 74.94% | 74.99% | 74.42% | 76.89% | 78.50% | 77.48% | 78.24% | +382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.49% | -3.25% | -8.57% | -6.24% | -2.52% | 0.47% | 1.41% | 1.16% | +740 bps | |
| Loan Growth (YoY) | -3.71% | -3.05% | -2.44% | -1.86% | -2.12% | -1.60% | -3.09% | -3.58% | -172 bps | |
| Share Growth (YoY) | -5.28% | -5.26% | -11.30% | -8.29% | -3.28% | 0.10% | 1.34% | 1.34% | +963 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.16% | 0.55% | 0.51% | 0.60% | 0.65% | 0.44% | 0.35% | -16 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 | 11.74% | 11.92% | 12.27% | 12.65% | 12.93% | 12.70% | 12.89% | 13.23% | +58 bps | |
| Net Worth / Assets | 11.74% | 11.92% | 12.27% | 12.65% | 12.93% | 12.70% | 12.89% | 13.23% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.12% | 37.62% | 38.59% | 38.75% | 38.58% | 36.98% | 36.90% | 36.87% | -188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Palatka, FL · Charter 68524 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 3 branches
Q3 2025
Return on Assets
0.83%
Rank 803 of 1,639
Net Interest Margin
3.77%
Rank 872 of 1,638
Efficiency Ratio
78.24%
Rank 930 of 1,637
Equity / Assets
13.23%
Rank 755 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.83% | 0.40% | 0.81% | 1.29% | Beats 51% | 803 / 1,639 | ||
| Return on Equity | 6.25% | 3.02% | 6.34% | 9.49% | Beats 49% | 831 / 1,638 | ||
| Net Interest Margin | 3.77% | 3.27% | 3.83% | 4.38% | Beats 47% | 872 / 1,638 | ||
| Efficiency Ratio | 78.24% | 67.38% | 76.32% | 84.73% | Beats 43% | 930 / 1,637 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.27% | 0.68% | 1.33% | Beats 70% | 497 / 1,637 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.23% | 10.38% | 12.80% | 16.53% | Beats 54% | 755 / 1,639 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.23% | 10.39% | 12.80% | 16.53% | Beats 54% | 755 / 1,638 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.87% | 55.01% | 72.16% | 85.44% | 7th pctl | 1,517 / 1,638 | ||
| Loans / Assets | 31.83% | 46.69% | 60.81% | 72.42% | 8th pctl | 1,508 / 1,638 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||