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 | |