FARMERS
Charter #26 · JACKSONVILLE, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,142 sits at the 5th percentile of structural peers — worth a closer look.
- Net worth ratio of 10.46% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.78% sits at the 77th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 72nd — a 29-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 | FARMERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.28M | 42th pct | 26th pct |
| Members | 1,142 | 10th pct | 5th pct |
| Net worth ratio | 10.46% | 22th pct | 16th pct |
| Return on average assets | 0.65% | 50th pct | 36th pct |
| Net interest margin | 3.29% | 26th pct | 30th pct |
| Cost of funds | 0.69% | 43th pct | 72th pct |
| Loan-to-share | 27.25% | 7th pct | 20th pct |
| Delinquency 60+ days | 0.00% | 10th pct | 8th pct |
| Net charge-off ratio | 0.08% | 45th pct | 38th pct |
| Loan growth YoY | -9.17% | 9th pct | 18th pct |
| Share growth YoY | 2.11% | 46th pct | 28th pct |
| Efficiency ratio | 85.78% | 64th pct | 77th pct |
structural peer set hash: d80753e21d53dadd597d46e7d4f03c02… (reproducible)
Closest structural peers
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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.