PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

South Atlantic

Boca Raton, FL · Charter 21202

NCUA · 1 branch

Q2 2026

$17.8MAssets
$9.0MLoans
$15.9MShares
$1.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.23%, up 1 bps year over year; NIM at 4.81%.
  • Asset quality: problem loans at 1.27% of loans (-141 bps YoY).
  • Capital: net worth / assets of 9.13%, down 11 bps from a year ago.
  • Funding: loans stand at 56.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.81%+44 bps YoY

Efficiency Ratio (YTD, annualized)

87.94%-538 bps YoY

Net Worth / Assets

9.13%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.25%0.28%0.18%0.23%+1 bps
Return on Equity2.44%2.76%3.01%1.99%2.57%+13 bps
Net Interest Margin4.37%4.63%4.67%4.44%4.81%+44 bps
Efficiency Ratio93.32%91.17%89.44%94.27%87.94%-538 bps
Growth
Asset Growth (YoY)-0.02%3.67%4.12%-4.45%2.15%+218 bps
Loan Growth (YoY)5.49%6.91%4.10%0.18%1.34%-415 bps
Share Growth (YoY)-0.95%3.89%4.46%-4.96%2.36%+331 bps
Asset Quality
Delinquent Loans / Loans2.69%1.31%1.13%0.83%1.27%-141 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.23%9.14%9.18%9.08%9.13%-11 bps
Net Worth / Assets9.23%9.14%9.18%9.08%9.13%-11 bps
Liquidity & Funding
Loans / Shares57.17%57.72%56.18%54.88%56.60%-57 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps