Jax Fire Credit Union
Total assets
$41.6M
▼ -8.7% YoY
Shares & deposits
$36.2M
▼ -10.6% YoY
Loans
$16.9M
▼ -6.6% YoY
Members
2,379
▼ -8.6% YoY
ROA (annualized)
0.70%
peers 0.60%
ROE (annualized)
5.46%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Jax Fire Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.7% | +1.3% | -10.0 pts |
| Share growth (YoY) | -10.6% | +0.7% | -11.3 pts |
| Loan growth (YoY) | -6.6% | -2.4% | -4.2 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 5.5% | 4.1% | +1.4 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
Profile
- Established
- 1933
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 2205 Haines St, Jacksonville, FL, 32206
- NCUA charter #
- 67717
- RSSD ID
- 881991
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $41.6M | $36.2M | $16.9M | $5.3M | $73K | 0.70% | 3.96% | 0.14% | 2,379 |
| Q4 2025 | $41.5M | $36.4M | $17.2M | $5.3M | $363K | 0.87% | 4.21% | 0.19% | 2,424 |
| Q3 2025 | $43.4M | $38.0M | $17.7M | $5.2M | $333K | 1.02% | 4.07% | 0.68% | 2,461 |
| Q2 2025 | $44.2M | $38.9M | $17.9M | $5.1M | $237K | 1.07% | 4.01% | 0.80% | 2,461 |
| Q1 2025 | $45.6M | $40.4M | $18.1M | $5.0M | $145K | 1.28% | 3.87% | 0.04% | 2,604 |
| Q4 2024 | $45.5M | $40.4M | $18.1M | $4.9M | $364K | 0.80% | 3.90% | 0.12% | 2,724 |
| Q3 2024 | $45.0M | $40.0M | $18.0M | $4.8M | $317K | 0.94% | 3.93% | 0.33% | 2,745 |
| Q2 2024 | $44.4M | $39.6M | $18.3M | $4.8M | $222K | 1.00% | 3.95% | 0.19% | 2,783 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $14.5M · securities $16.4M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Jax Fire Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.83% | 56th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 81.5% | 64th | |
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% |
Balance sheet
| Ratio | Jax Fire 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% |
Capital
| Ratio | Jax Fire 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% |
Credit quality
| Ratio | Jax Fire 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% |
Franchise
| Ratio | Jax Fire 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% |
12 more ratios, with trends and peer percentiles.
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