Boca Raton, FL · Charter 21202
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 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=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
5
Profitability
48
Liquidity
29
Efficiency
35
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.
Boca Raton, FL · Charter 21202
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.30% | 0.15% | 0.23% | 0.25% | 0.28% | 0.18% | 0.23% | +1 bps | |
| Return on Equity | 3.38% | 3.22% | 1.78% | 2.44% | 2.76% | 3.01% | 1.99% | 2.57% | +13 bps | |
| Net Interest Margin | 4.25% | 4.20% | 3.97% | 4.37% | 4.63% | 4.67% | 4.44% | 4.81% | +44 bps | |
| Efficiency Ratio | 93.67% | 93.93% | 96.05% | 93.32% | 91.17% | 89.44% | 94.27% | 87.94% | -538 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.87% | -4.81% | 5.65% | -0.02% | 3.67% | 4.12% | -4.45% | 2.15% | +218 bps | |
| Loan Growth (YoY) | -3.81% | -0.47% | 3.54% | 5.49% | 6.91% | 4.10% | 0.18% | 1.34% | -415 bps | |
| Share Growth (YoY) | -10.41% | -6.29% | 5.30% | -0.95% | 3.89% | 4.46% | -4.96% | 2.36% | +331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.74% | 2.30% | 2.69% | 1.31% | 1.13% | 0.83% | 1.27% | -141 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.42% | 9.47% | 8.59% | 9.23% | 9.14% | 9.18% | 9.08% | 9.13% | -11 bps | |
| Net Worth / Assets | 9.42% | 9.47% | 8.59% | 9.23% | 9.14% | 9.18% | 9.08% | 9.13% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.09% | 56.38% | 52.06% | 57.17% | 57.72% | 56.18% | 54.88% | 56.60% | -57 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Boca Raton, FL · Charter 21202 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
0.24%
Rank 13 of 20
Net Interest Margin
4.80%
Rank 5 of 20
Efficiency Ratio
88.01%
Rank 14 of 20
Equity / Assets
9.13%
Rank 19 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.24% | 0.22% | 0.41% | 0.84% | Beats 35% | 13 / 20 | ||
| Return on Equity | 2.59% | 1.78% | 3.57% | 6.45% | Beats 35% | 13 / 20 | ||
| Net Interest Margin | 4.80% | 3.17% | 3.67% | 4.80% | Beats 75% | 5 / 20 | ||
| Efficiency Ratio | 88.01% | 77.46% | 82.82% | 89.37% | Beats 35% | 14 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.28% | 0.26% | 0.56% | 0.65% | Beats 5% | 20 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.13% | 10.54% | 11.05% | 12.98% | Beats 5% | 19 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.13% | 10.54% | 11.05% | 12.98% | Beats 5% | 19 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.60% | 54.64% | 78.75% | 84.99% | 30th pctl | 14 / 20 | ||
| Loans / Assets | 50.62% | 48.81% | 63.38% | 73.06% | 30th pctl | 14 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||