Metro North
Jacksonville, FL · Charter 9441 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$21.7MAssets
$8.2MLoans
$17.9MShares
$3.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of credit unions under $1B in assets (rank 195 of 1682).
- Widest gap: efficiency ratio trails 78% of credit unions under $1B in assets (rank 1314 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |