Jacksonville, FL · Charter 9441
NCUA · 2 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
76
Asset Quality
88
Profitability
25
Liquidity
24
Efficiency
22
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.
Jacksonville, FL · Charter 9441
NCUA · 2 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 | 0.84% | 0.77% | 0.62% | 0.63% | 0.58% | 0.58% | 0.40% | 0.42% | -21 bps | |
| Return on Equity | 5.27% | 4.79% | 3.97% | 3.87% | 3.58% | 3.51% | 2.37% | 2.51% | -136 bps | |
| Net Interest Margin | 3.50% | 3.55% | 3.26% | 3.28% | 3.28% | 3.35% | 3.30% | 3.26% | -2 bps | |
| Efficiency Ratio | 78.71% | 80.52% | 83.06% | 83.53% | 84.53% | 85.24% | 89.28% | 88.54% | +501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.33% | 0.85% | 0.49% | 1.24% | 0.91% | 0.47% | -4.00% | -1.49% | -273 bps | |
| Loan Growth (YoY) | 1.90% | -2.89% | -9.50% | -13.49% | -11.22% | -8.77% | -2.55% | -2.38% | +1,111 bps | |
| Share Growth (YoY) | 2.10% | 1.16% | 0.49% | 0.42% | 1.57% | -0.78% | -5.39% | -1.93% | -234 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.02% | 0.13% | 0.08% | 0.04% | 0.11% | 0.07% | -6 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 | 15.88% | 16.11% | 15.69% | 16.17% | 16.16% | 16.47% | 16.71% | 16.74% | +57 bps | |
| Net Worth / Assets | 15.88% | 16.11% | 15.69% | 16.17% | 16.16% | 16.47% | 16.71% | 16.74% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.28% | 51.55% | 44.91% | 46.21% | 45.70% | 47.40% | 46.26% | 45.99% | -21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jacksonville, FL · Charter 9441 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.42%
Rank 1,205 of 1,683
Net Interest Margin
3.27%
Rank 1,293 of 1,683
Efficiency Ratio
88.22%
Rank 1,314 of 1,682
Equity / Assets
16.74%
Rank 406 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,205 / 1,683 | ||
| Return on Equity | 2.53% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,289 / 1,681 | ||
| Net Interest Margin | 3.27% | 3.31% | 3.82% | 4.32% | Beats 23% | 1,293 / 1,683 | ||
| Efficiency Ratio | 88.22% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,314 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.26% | 0.65% | 1.29% | Beats 88% | 195 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.74% | 10.44% | 12.89% | 16.53% | Beats 76% | 406 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.74% | 10.44% | 12.89% | 16.53% | Beats 76% | 406 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.99% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,390 / 1,683 | ||
| Loans / Assets | 37.96% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,410 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||