FLORIDA WEST COAST
Charter #67337 · BRANDON, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.36% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.09% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 52nd — 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 | FLORIDA WEST COAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $141.44M | 26th pct | 44th pct |
| Members | 11,273 | 39th pct | 46th pct |
| Net worth ratio | 12.06% | 58th pct | 56th pct |
| Return on average assets | 0.76% | 54th pct | 54th pct |
| Net interest margin | 3.36% | 32th pct | 20th pct |
| Cost of funds | 0.09% | 6th pct | 5th pct |
| Loan-to-share | 58.95% | 25th pct | 52th pct |
| Delinquency 60+ days | 0.38% | 29th pct | 28th pct |
| Net charge-off ratio | 0.29% | 43th pct | 26th pct |
| Loan growth YoY | 2.86% | 74th pct | 80th pct |
| Share growth YoY | 2.77% | 39th pct | 36th pct |
| Efficiency ratio | 80.75% | 58th pct | 52th pct |
structural peer set hash: 6fd25ad5573084aa88a28a73c3666272… (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.