PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Metro North

Jacksonville, FL · Charter 9441

NCUA · 2 branches

Q2 2026

$21.7MAssets
$8.2MLoans
$17.9MShares
$3.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.42%, down 21 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.07% of loans (-6 bps YoY).
  • Capital: net worth / assets of 16.74%, up 57 bps from a year ago.
  • Funding: loans stand at 45.99% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.42%-21 bps YoY

Net Interest Margin (quarter, annualized)

3.26%-2 bps YoY

Efficiency Ratio (quarter, annualized)

88.54%+501 bps YoY

Net Worth / Assets

16.74%+57 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.58%0.58%0.40%0.42%-21 bps
Return on Equity3.87%3.58%3.51%2.37%2.51%-136 bps
Net Interest Margin3.28%3.28%3.35%3.30%3.26%-2 bps
Efficiency Ratio83.53%84.53%85.24%89.28%88.54%+501 bps
Growth
Asset Growth (YoY)1.24%0.91%0.47%-4.00%-1.49%-273 bps
Loan Growth (YoY)-13.49%-11.22%-8.77%-2.55%-2.38%+1,111 bps
Share Growth (YoY)0.42%1.57%-0.78%-5.39%-1.93%-234 bps
Asset Quality
Delinquent Loans / Loans0.13%0.08%0.04%0.11%0.07%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.17%16.16%16.47%16.71%16.74%+57 bps
Net Worth / Assets16.17%16.16%16.47%16.71%16.74%+57 bps
Liquidity & Funding
Loans / Shares46.21%45.70%47.40%46.26%45.99%-21 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps