Side-by-side · Q2 2026 data
Florida Capital Bank, National Association vs Jm Associates Federal Credit Union
Bank
Florida Capital Bank, National Association
Jacksonville, Florida · $100 million – $1 billion
Credit union
Jm Associates Federal Credit Union
Jacksonville, Florida · $100 million – $1 billion
Metric by metric
| Measure | Florida Capital Bank, National Association | Jm Associates Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 87 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 95 (stronger) | 76 |
| Earnings | 59 | 80 (stronger) |
| Funding & liquidity | 27 | 83 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 26th | 91st |
| Total assets | $713.1M | $151.2M |
| Deposits / shares | $639.8M | $130.8M |
| Capital ratio | 9.77% | 15.46% (stronger) |
| Problem loans | 0.16% (stronger) | 0.71% |
| Net charge-offs | -0.00% (stronger) | 0.81% |
| Return on assets | 0.98% | 1.49% (stronger) |
| Loans ÷ deposits | 83.5% | 77.0% (stronger) |
| Uninsured deposits | 67.2% | 8.4% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Jm Associates Federal Credit Union has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Florida Capital Bank, National Association leads on 2 and Jm Associates Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.