Macclenny, FL · Charter 68691
NCUA · 3 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
53
Profitability
82
Liquidity
95
Efficiency
72
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.
Macclenny, FL · Charter 68691
NCUA · 3 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 | 1.16% | 1.09% | 1.45% | 1.65% | 1.85% | 1.86% | 1.70% | 1.71% | +6 bps | |
| Return on Equity | 10.13% | 9.40% | 12.62% | 13.92% | 15.03% | 14.61% | 13.61% | 13.54% | -38 bps | |
| Net Interest Margin | 3.92% | 3.95% | 3.77% | 3.91% | 4.00% | 4.03% | 4.03% | 4.02% | +11 bps | |
| Efficiency Ratio | 73.46% | 72.74% | 72.98% | 69.69% | 66.92% | 66.80% | 68.65% | 70.21% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 4.86% | 6.41% | 7.02% | 7.37% | 5.75% | 7.55% | 9.14% | +212 bps | |
| Loan Growth (YoY) | 4.06% | 5.09% | 10.08% | 8.88% | 10.83% | 8.74% | 3.51% | 5.23% | -365 bps | |
| Share Growth (YoY) | 2.17% | 3.62% | 5.46% | 4.71% | 4.35% | 4.65% | 5.65% | 8.57% | +386 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.19% | 0.08% | 0.07% | 0.07% | 0.10% | 0.11% | 0.60% | +52 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 | 11.45% | 11.58% | 11.49% | 11.84% | 12.29% | 12.73% | 12.47% | 12.61% | +76 bps | |
| Net Worth / Assets | 11.45% | 11.58% | 11.49% | 11.84% | 12.29% | 12.73% | 12.47% | 12.61% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.35% | 69.72% | 70.95% | 69.85% | 72.60% | 72.44% | 69.51% | 67.70% | -215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Macclenny, FL · Charter 68691 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.71%
Rank 165 of 1,683
Net Interest Margin
4.02%
Rank 655 of 1,683
Efficiency Ratio
70.22%
Rank 465 of 1,682
Equity / Assets
12.61%
Rank 892 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.71% | 0.35% | 0.74% | 1.18% | Beats 90% | 165 / 1,683 | ||
| Return on Equity | 13.54% | 2.67% | 5.89% | 8.74% | Beats 95% | 78 / 1,681 | ||
| Net Interest Margin | 4.02% | 3.31% | 3.82% | 4.32% | Beats 61% | 655 / 1,683 | ||
| Efficiency Ratio | 70.22% | 68.91% | 78.20% | 86.93% | Beats 72% | 465 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 53% | 792 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.61% | 10.44% | 12.89% | 16.53% | Beats 47% | 892 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.61% | 10.44% | 12.89% | 16.53% | Beats 47% | 892 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.70% | 52.61% | 69.38% | 83.50% | 47th pctl | 898 / 1,683 | ||
| Loans / Assets | 58.91% | 44.71% | 59.18% | 70.72% | 49th pctl | 852 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||