FLORIDA
Charter #60497 · Gainesville, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.67% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.45% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.35% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.04% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 54.80% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.74B | 61th pct | 69th pct |
| Members | 180,764 | 69th pct | 70th pct |
| Net worth ratio | 12.67% | 78th pct | 75th pct |
| Return on average assets | 1.45% | 91th pct | 85th pct |
| Net interest margin | 3.78% | 78th pct | 72th pct |
| Cost of funds | 0.35% | 9th pct | 15th pct |
| Loan-to-share | 93.52% | 75th pct | 72th pct |
| Delinquency 60+ days | 0.68% | 55th pct | 67th pct |
| Net charge-off ratio | 1.04% | 86th pct | 87th pct |
| Loan growth YoY | 4.73% | 80th pct | 75th pct |
| Share growth YoY | 8.33% | 88th pct | 87th pct |
| Efficiency ratio | 54.80% | 6th pct | 8th pct |
structural peer set hash: 7110b20650308b23d9201f555e3059ea… (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.