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 | |