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 | |