Fort Lauderdale, FL · Charter 61525
NCUA · 6 branches
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
30
Asset Quality
25
Profitability
50
Liquidity
84
Efficiency
40
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.
Fort Lauderdale, FL · Charter 61525
NCUA · 6 branches
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 | -0.24% | -0.39% | -0.40% | -0.06% | 0.22% | 0.25% | 0.41% | 0.59% | +65 bps | |
| Return on Equity | -2.33% | -4.06% | -4.15% | -0.58% | 2.20% | 2.39% | 3.90% | 5.53% | +611 bps | |
| Net Interest Margin | 2.69% | 2.70% | 2.72% | 2.90% | 3.00% | 3.09% | 2.93% | 2.99% | +10 bps | |
| Efficiency Ratio | 84.03% | 85.60% | 87.28% | 79.16% | 77.56% | 78.37% | 85.80% | 84.61% | +545 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.08% | -8.61% | -8.57% | -4.86% | -4.66% | -5.66% | -3.47% | -3.15% | +170 bps | |
| Loan Growth (YoY) | -5.98% | -14.00% | -17.10% | -18.29% | -20.83% | -18.59% | -16.48% | -11.12% | +718 bps | |
| Share Growth (YoY) | -0.74% | 0.57% | -2.62% | -4.70% | -4.89% | -6.96% | -4.48% | -4.10% | +60 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 1.24% | 1.09% | 0.94% | 0.73% | 0.63% | 0.64% | 0.65% | -29 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 | 10.29% | 9.70% | 9.73% | 9.95% | 10.20% | 10.32% | 10.41% | 10.73% | +78 bps | |
| Net Worth / Assets | 10.29% | 9.70% | 9.73% | 9.95% | 10.20% | 10.32% | 10.41% | 10.73% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.24% | 84.21% | 79.82% | 76.24% | 71.78% | 73.68% | 69.79% | 70.66% | -558 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Lauderdale, FL · Charter 61525 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 6 branches
Q2 2026
Return on Assets
0.59%
Rank 7 of 20
Net Interest Margin
2.99%
Rank 16 of 20
Efficiency Ratio
84.61%
Rank 13 of 20
Equity / Assets
10.73%
Rank 14 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.22% | 0.41% | 0.84% | Beats 65% | 7 / 20 | ||
| Return on Equity | 5.53% | 1.78% | 3.57% | 6.45% | Beats 65% | 7 / 20 | ||
| Net Interest Margin | 2.99% | 3.17% | 3.67% | 4.80% | Beats 20% | 16 / 20 | ||
| Efficiency Ratio | 84.61% | 77.46% | 82.82% | 89.37% | Beats 40% | 13 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.56% | 0.65% | Beats 25% | 16 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.73% | 10.54% | 11.05% | 12.98% | Beats 30% | 14 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.73% | 10.54% | 11.05% | 12.98% | Beats 30% | 14 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.66% | 54.64% | 78.75% | 84.99% | 40th pctl | 12 / 20 | ||
| Loans / Assets | 62.96% | 48.81% | 63.38% | 73.06% | 45th pctl | 11 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||