PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Coast Community

Palatka, FL · Charter 68524

NCUA · 3 branches

Q3 2025

$149.7MAssets
$47.6MLoans
$129.2MShares
$19.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.83%, down 21 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.35% of loans (-16 bps YoY).
  • Capital: net worth / assets of 13.23%, up 58 bps from a year ago.
  • Funding: loans stand at 36.87% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.83%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+30 bps YoY

Efficiency Ratio (YTD, annualized)

78.24%+382 bps YoY

Net Worth / Assets

13.23%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.03%0.95%0.99%0.91%0.83%-21 bps
Return on Equity8.16%7.36%7.78%7.07%6.25%-191 bps
Net Interest Margin3.46%3.52%3.56%3.65%3.77%+30 bps
Efficiency Ratio74.42%76.89%78.50%77.48%78.24%+382 bps
Growth
Asset Growth (YoY)-6.24%-2.52%0.47%1.41%1.16%+740 bps
Loan Growth (YoY)-1.86%-2.12%-1.60%-3.09%-3.58%-172 bps
Share Growth (YoY)-8.29%-3.28%0.10%1.34%1.34%+963 bps
Asset Quality
Delinquent Loans / Loans0.51%0.60%0.65%0.44%0.35%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.65%12.93%12.70%12.89%13.23%+58 bps
Net Worth / Assets12.65%12.93%12.70%12.89%13.23%+58 bps
Liquidity & Funding
Loans / Shares38.75%38.58%36.98%36.90%36.87%-188 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps