Palm Beach Gard, FL · Charter 12458
NCUA · 3 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
23
Profitability
71
Liquidity
72
Efficiency
77
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Palm Beach Gard, FL · Charter 12458
NCUA · 3 branches
Q1 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.40% | 0.50% | 0.42% | 1.20% | +86 bps | |
| Return on Equity | 2.88% | 3.24% | 4.01% | 3.42% | 9.78% | +690 bps | |
| Net Interest Margin | 3.48% | 3.64% | 3.75% | 3.75% | 3.78% | +30 bps | |
| Efficiency Ratio | 81.36% | 81.08% | 79.54% | 81.69% | 70.72% | -1,064 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.02% | -3.29% | -2.30% | 0.81% | 2.40% | +442 bps | |
| Loan Growth (YoY) | 10.34% | 9.93% | 8.04% | 10.05% | 8.24% | -211 bps | |
| Share Growth (YoY) | 0.95% | -0.61% | 0.73% | 0.36% | 1.71% | +76 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.34% | 0.44% | 0.71% | 0.68% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.99% | 12.21% | 12.41% | 12.36% | 12.32% | +33 bps | |
| Net Worth / Assets | 11.99% | 12.21% | 12.41% | 12.36% | 12.32% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.38% | 80.85% | 81.21% | 80.83% | 81.28% | +490 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Palm Beach Gard, FL · Charter 12458 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=22)
NCUA · 3 branches
Q1 2026
Return on Assets
1.20%
Rank 4 of 22
Net Interest Margin
3.78%
Rank 11 of 22
Efficiency Ratio
70.71%
Rank 6 of 22
Equity / Assets
12.32%
Rank 6 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 0.22% | 0.43% | 0.81% | Beats 82% | 4 / 22 | |
| Return on Equity | 9.78% | 2.10% | 3.70% | 6.79% | Beats 82% | 4 / 22 | |
| Net Interest Margin | 3.78% | 3.15% | 3.78% | 4.34% | Beats 50% | 11 / 22 | |
| Efficiency Ratio | 70.71% | 70.71% | 81.34% | 88.10% | Beats 77% | 6 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.68% | 0.18% | 0.47% | 0.67% | Beats 23% | 18 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.32% | 10.48% | 10.99% | 12.32% | Beats 73% | 6 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.32% | 10.48% | 10.99% | 12.32% | Beats 73% | 6 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.28% | 54.88% | 80.06% | 83.98% | 55th pctl | 10 / 22 | |
| Loans / Assets | 70.12% | 49.05% | 68.37% | 72.51% | 55th pctl | 10 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||