JAX FIRE
Charter #67717 · Jacksonville, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.09% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.14% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.02% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 6th percentile but its structural peers at the 23rd — a 17-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 | JAX FIRE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.61M | 86th pct | 75th pct |
| Members | 2,379 | 60th pct | 49th pct |
| Net worth ratio | 12.81% | 44th pct | 52th pct |
| Return on average assets | 0.70% | 53th pct | 56th pct |
| Net interest margin | 3.96% | 56th pct | 59th pct |
| Cost of funds | 0.09% | 6th pct | 23th pct |
| Loan-to-share | 46.73% | 31th pct | 44th pct |
| Delinquency 60+ days | 0.14% | 25th pct | 23th pct |
| Net charge-off ratio | -0.02% | 17th pct | 11th pct |
| Loan growth YoY | -4.43% | 34th pct | 38th pct |
| Share growth YoY | -4.91% | 3th pct | 5th pct |
| Efficiency ratio | 87.52% | 68th pct | 57th pct |
structural peer set hash: 72f95996c2ad94c3c955876cff3ac1e8… (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.