Macclenny, FL · Charter 68691
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |