PUBLIX EMPLOYEES
Charter #23020 · LAKELAND, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.39% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 67th — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PUBLIX EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.78B | 40th pct | 67th pct |
| Members | 124,804 | 52th pct | 74th pct |
| Net worth ratio | 11.18% | 59th pct | 51th pct |
| Return on average assets | 0.93% | 67th pct | 61th pct |
| Net interest margin | 3.40% | 53th pct | 41th pct |
| Cost of funds | 1.77% | 50th pct | 70th pct |
| Loan-to-share | 64.28% | 10th pct | 34th pct |
| Delinquency 60+ days | 0.39% | 25th pct | 18th pct |
| Net charge-off ratio | 0.66% | 62th pct | 52th pct |
| Loan growth YoY | 2.63% | 62th pct | 64th pct |
| Share growth YoY | 9.43% | 91th pct | 92th pct |
| Efficiency ratio | 72.07% | 48th pct | 43th pct |
structural peer set hash: a6ab8874294f93144afb107bf5ffe23f… (reproducible)
Closest structural peers
This is the free public view
Claim PUBLIX EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.