PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pompano Beach City Emp.

Pompano Beach, FL · Charter 67318

NCUA · 1 branch

Q2 2026

$31.0MAssets
$22.7MLoans
$24.8MShares
$6.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.12%, down 52 bps year over year; NIM at 5.17%.
  • Asset quality: problem loans at 0.06% of loans (+5 bps YoY).
  • Capital: net worth / assets of 19.31%, down 55 bps from a year ago.
  • Funding: loans stand at 91.44% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.12%-52 bps YoY

Net Interest Margin (quarter, annualized)

5.17%-1 bps YoY

Efficiency Ratio (quarter, annualized)

96.36%+1,001 bps YoY

Net Worth / Assets

19.31%-55 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.46%1.03%0.63%0.76%0.56%0.21%0.12%-52 bps
Return on Equity2.86%2.36%5.22%3.19%3.76%2.92%1.10%0.61%-258 bps
Net Interest Margin4.82%4.92%5.09%5.18%5.30%5.20%5.11%5.17%-1 bps
Efficiency Ratio89.28%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 / Loans0.16%0.19%0.02%0.01%0.02%0.01%0.08%0.06%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.82%19.69%19.81%19.86%20.29%19.34%18.96%19.31%-55 bps
Net Worth / Assets19.82%19.69%19.81%19.86%20.29%19.34%18.96%19.31%-55 bps
Liquidity & Funding
Loans / Shares88.60%92.68%91.27%91.57%93.06%92.01%90.14%91.44%-12 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps