FLORIDA CUSTOMS
Charter #378 · Tampa, FL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 26.33% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.07% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.08% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.07% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 98.48% sits at the 85th percentile of structural peers — worth a closer look.
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 | FLORIDA CUSTOMS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.91M | 78th pct | 43th pct |
| Members | 1,046 | 85th pct | 59th pct |
| Net worth ratio | 26.33% | 78th pct | 75th pct |
| Return on average assets | 0.07% | 35th pct | 21th pct |
| Net interest margin | 4.47% | 63th pct | 67th pct |
| Cost of funds | 0.08% | 18th pct | 7th pct |
| Loan-to-share | 49.81% | 40th pct | 43th pct |
| Delinquency 60+ days | 0.34% | 38th pct | 39th pct |
| Net charge-off ratio | -0.07% | 15th pct | 13th pct |
| Loan growth YoY | -6.18% | 45th pct | 43th pct |
| Share growth YoY | -1.48% | 37th pct | 26th pct |
| Efficiency ratio | 98.48% | 70th pct | 85th pct |
structural peer set hash: 4f07ccb80df5b5786aabb8bc61045684… (reproducible)
Closest structural peers
This is the free public view
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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.