| Metric | Florida Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +5.1% | +8.8 pts |
| Share growth (YoY) | +14.3% | +4.9% | +9.5 pts |
| Loan growth (YoY) | +13.2% | +5.4% | +7.7 pts |
| ROA | 1.42% | 0.71% | +0.7 pts |
| ROE | 11.2% | 6.3% | +5.0 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.74B | $2.31B | $2.16B | $346.7M | $9.7M | 1.42% | 3.71% | 0.68% | 180,764 |
| Q4 2025 | $2.64B | $2.23B | $2.14B | $337.0M | $40.1M | 1.52% | 3.72% | 0.79% | 177,623 |
| Q3 2025 | $2.53B | $2.14B | $2.07B | $325.4M | $28.6M | 1.51% | 3.82% | 0.69% | 174,618 |
| Q2 2025 | $2.43B | $2.04B | $2.00B | $315.3M | $18.5M | 1.52% | 3.87% | 0.63% | 171,550 |
| Q1 2025 | $2.40B | $2.02B | $1.91B | $305.6M | $8.7M | 1.45% | 3.78% | 0.53% | 168,336 |
| Q4 2024 | $2.29B | $1.93B | $1.87B | $296.8M | $35.2M | 1.53% | 3.79% | 0.69% | 165,207 |
| Q3 2024 | $2.24B | $1.88B | $1.81B | $287.4M | $25.7M | 1.53% | 3.84% | 0.66% | 162,308 |
| Q2 2024 | $2.20B | $1.84B | $1.78B | $278.8M | $17.1M | 1.55% | 3.86% |
| Ratio | Florida Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.71% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 6.3% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 159,404 |
Loan mix (Q1 2026): real estate $307.8M · commercial $299.8M · consumer $1.46B · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.8% | 73.0% | 5th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Florida Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Florida Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Florida Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Florida Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.