Jax Fire Credit Union

Credit UnionFISCUJacksonville, FL·Est. 1933·NCUA #67717Compare ⇄▤ Account brief

Total assets

$40.4M

▼ -8.7% YoY

Shares & deposits

$34.9M

▼ -10.4% YoY

Loans

$16.4M

▼ -8.5% YoY

Members

2,363

▼ -4.0% YoY

ROA (annualized)

0.47%

peers 0.65%

ROE (annualized)

3.51%

peers 4.39%

Peer comparison 2,479 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)	-10.4%	+0.9%	-11.4 pts
Loan growth (YoY)	-8.5%	-2.6%	-5.9 pts
ROA	0.47%	0.65%	-0.2 pts
ROE	3.5%	4.4%	-0.9 pts

ROA ranks in the 40th percentile of its peer group · Q2 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: Q2 2026

Total assets last 9 quarters

Members last 9 quarters

Quarterly financials NCUA 5300 call report

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q2 2026	$40.4M	$34.9M	$16.4M	$5.4M	$94K	0.47%	4.07%	0.57%	2,363
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%

Signals what changed in the call reports

Members down·Members -4.0% YoY (2%+ decline) — Losing members — growth and digital experience are top of mindLoans down·Loans -8.5% YoY — Shrinking book — origination and marketing are on the agendaEfficiency worsening·Efficiency ratio 88.8%, worse 3 quarters running — Cost pressure — automation pitches resonate, discretionary spend does notDeposits down·Shares & deposits -10.4% YoY — Funding pressure — deposit-gathering and pricing conversations land now

Earlier quarters (8)

Members -8.6% YoY (2%+ decline)Q1 2026
Loans -6.6% YoYQ1 2026
Efficiency ratio 87.5%, worse 3 quarters runningQ1 2026
Shares & deposits -10.6% YoYQ1 2026
Members -11.0% YoY (2%+ decline)Q4 2025
Loans -5.1% YoYQ4 2025
Efficiency ratio 80.4%, worse 3 quarters runningQ4 2025
Shares & deposits -9.9% YoYQ4 2025

Ratio pack Q2 2026 · peer medians from 2479 institutions

Profitability

Ratio	Jax Fire Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.47%	0.65%	40th
Return on equity Annualized net income ÷ equity or net worth	3.5%	4.4%	43rd
Net interest margin Interest income − interest expense, ÷ assets	4.07%	3.88%

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Ratio	Jax Fire Credit Union	Peer median
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	Jax Fire Credit Union	Trend (8q)	Peer median	Peer percentile
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high	00.0%		00.0%
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up	00.0%		00.0%

Ratio	Jax Fire Credit Union	Peer median
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	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%