Pace, FL · Charter 60077
NCUA · 1 branch
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |