Florida Credit Unions

Member engagement showed mixed signals as growth stagnated at 0.00% in Q4 2025, though this represented improvement from -0.23% in Q3. The dramatic deceleration from 4.01% year-over-year highlights significant membership acquisition challenges despite maintaining a 70 basis point advantage over the national benchmark.

Profitability metrics remained remarkably stable with ROA holding at 0.64% quarter-over-quarter while showing solid year-over-year improvement from 0.52%. NIM similarly stayed flat at 3.63% QoQ but increased from 3.42% YoY. Both metrics trail national benchmarks by approximately 10 basis points, indicating room for improvement.

Growth momentum accelerated across key metrics, with asset growth reaching 3.28% from 2.40% QoQ and 2.55% YoY. Loan growth particularly impressed, accelerating to 3.53% from 3.04% quarter-over-quarter and significantly outperforming the national benchmark by 3.01 percentage points, demonstrating strong lending execution.

Risk metrics remained well-controlled with delinquency rates stable at 0.60%, showing minimal movement from 0.56% QoQ and 0.59% YoY. Net worth ratio stayed steady at 11.77%, up from 11.50% annually. Credit quality significantly outperforms national standards with delinquency 30 basis points below benchmark.

Portfolio composition shifted toward certificates, increasing to 24.13% from 23.41% QoQ and 22.43% YoY, exceeding national levels. First mortgage concentration remained stable at 21.54% while indirect auto lending declined to 10.80%. The certificate growth reflects successful deposit gathering in competitive markets.