Pace, FL · Charter 60077
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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 (n=1,637 to 1,639). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
90
Profitability
44
Liquidity
0
Efficiency
61
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.
Pace, FL · Charter 60077
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.62% | 0.78% | 0.95% | 0.96% | 0.77% | 1.03% | 1.09% | 1.02% | +6 bps | |
| Return on Equity | -2.38% | 2.96% | 3.50% | 3.39% | 2.63% | 3.40% | 3.60% | 3.21% | -18 bps | |
| Net Interest Margin | 3.17% | 3.30% | 3.32% | 3.47% | 3.60% | 3.56% | 3.49% | 3.72% | +25 bps | |
| Efficiency Ratio | 91.00% | 76.24% | 71.49% | 72.44% | 77.29% | 71.26% | 68.98% | 72.91% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.21% | -15.91% | -12.88% | -6.68% | -9.68% | -9.94% | -8.19% | -8.61% | -193 bps | |
| Loan Growth (YoY) | -6.62% | -8.81% | -10.24% | -6.57% | -6.20% | -9.58% | -4.79% | -6.43% | +14 bps | |
| Share Growth (YoY) | -17.33% | -17.13% | -13.24% | -9.37% | -13.36% | -13.84% | -11.49% | -13.31% | -394 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.23% | 0.36% | 0.41% | 0.15% | 0.05% | 0.05% | 0.04% | -37 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 | 25.85% | 26.51% | 27.09% | 28.21% | 29.40% | 30.27% | 30.33% | 31.66% | +345 bps | |
| Net Worth / Assets | 25.85% | 26.51% | 27.09% | 28.21% | 29.40% | 30.27% | 30.33% | 31.66% | +345 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.68% | 95.35% | 93.13% | 97.88% | 102.50% | 100.06% | 100.17% | 105.65% | +777 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pace, FL · Charter 60077 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 1 branch
Q3 2025
Return on Assets
1.02%
Rank 634 of 1,639
Net Interest Margin
3.72%
Rank 904 of 1,638
Efficiency Ratio
72.88%
Rank 639 of 1,637
Equity / Assets
31.66%
Rank 42 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.40% | 0.81% | 1.29% | Beats 61% | 634 / 1,639 | ||
| Return on Equity | 3.22% | 3.02% | 6.34% | 9.49% | Beats 26% | 1,206 / 1,638 | ||
| Net Interest Margin | 3.72% | 3.27% | 3.83% | 4.38% | Beats 45% | 904 / 1,638 | ||
| Efficiency Ratio | 72.88% | 67.38% | 76.32% | 84.73% | Beats 61% | 639 / 1,637 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.27% | 0.68% | 1.33% | Beats 90% | 172 / 1,637 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 31.66% | 10.38% | 12.80% | 16.53% | Beats 97% | 42 / 1,639 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 31.66% | 10.39% | 12.80% | 16.53% | Beats 97% | 42 / 1,638 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.65% | 55.01% | 72.16% | 85.44% | 98th pctl | 36 / 1,638 | ||
| Loans / Assets | 72.44% | 46.69% | 60.81% | 72.42% | 75th pctl | 409 / 1,638 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||