Pompano Beach, FL · Charter 67318
NCUA · 1 branch
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
90
Asset Quality
95
Profitability
42
Liquidity
0
Efficiency
10
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.
Pompano Beach, FL · Charter 67318
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 | 0.57% | 0.46% | 1.03% | 0.63% | 0.76% | 0.56% | 0.21% | 0.12% | -52 bps | |
| Return on Equity | 2.86% | 2.36% | 5.22% | 3.19% | 3.76% | 2.92% | 1.10% | 0.61% | -258 bps | |
| Net Interest Margin | 4.82% | 4.92% | 5.09% | 5.18% | 5.30% | 5.20% | 5.11% | 5.17% | -1 bps | |
| Efficiency Ratio | 89.28% | 89.59% | 84.52% | 86.35% | 85.31% | 88.18% | 95.18% | 96.36% | +1,001 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.48% | -2.18% | -3.16% | -0.43% | -0.98% | 3.77% | 5.36% | 3.46% | +388 bps | |
| Loan Growth (YoY) | -3.80% | 0.87% | 3.54% | 3.68% | 3.25% | 3.03% | 4.70% | 3.60% | -8 bps | |
| Share Growth (YoY) | -4.19% | -2.46% | -3.54% | -0.57% | -1.70% | 3.79% | 6.02% | 3.74% | +431 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.19% | 0.02% | 0.01% | 0.02% | 0.01% | 0.08% | 0.06% | +5 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 | 19.82% | 19.69% | 19.81% | 19.86% | 20.29% | 19.34% | 18.96% | 19.31% | -55 bps | |
| Net Worth / Assets | 19.82% | 19.69% | 19.81% | 19.86% | 20.29% | 19.34% | 18.96% | 19.31% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.60% | 92.68% | 91.27% | 91.57% | 93.06% | 92.01% | 90.14% | 91.44% | -12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pompano Beach, FL · Charter 67318 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
0.12%
Rank 17 of 20
Net Interest Margin
5.17%
Rank 1 of 20
Efficiency Ratio
96.45%
Rank 19 of 20
Equity / Assets
19.31%
Rank 2 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.12% | 0.22% | 0.41% | 0.84% | Beats 15% | 17 / 20 | ||
| Return on Equity | 0.60% | 1.78% | 3.57% | 6.45% | Beats 15% | 17 / 20 | ||
| Net Interest Margin | 5.17% | 3.17% | 3.67% | 4.80% | Beats 95% | 1 / 20 | ||
| Efficiency Ratio | 96.45% | 77.46% | 82.82% | 89.37% | Beats 10% | 19 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.26% | 0.56% | 0.65% | Beats 95% | 2 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.31% | 10.54% | 11.05% | 12.98% | Beats 90% | 2 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.31% | 10.54% | 11.05% | 12.98% | Beats 90% | 2 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.44% | 54.64% | 78.75% | 84.99% | 90th pctl | 2 / 20 | ||
| Loans / Assets | 73.19% | 48.81% | 63.38% | 73.06% | 85th pctl | 3 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||