Fort lauderdale, FL · Charter 67342
NCUA · 3 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
75
Asset Quality
20
Profitability
70
Liquidity
35
Efficiency
80
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 67342
NCUA · 3 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 | 1.02% | 1.02% | 1.47% | 1.28% | 1.14% | 0.89% | 0.81% | 0.84% | -45 bps | |
| Return on Equity | 8.38% | 8.29% | 11.81% | 9.91% | 8.58% | 7.02% | 6.34% | 6.45% | -346 bps | |
| Net Interest Margin | 3.72% | 3.78% | 3.69% | 4.03% | 4.19% | 4.03% | 3.77% | 4.06% | +3 bps | |
| Efficiency Ratio | 73.19% | 74.22% | 59.25% | 66.79% | 69.99% | 71.79% | 73.61% | 74.57% | +778 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.09% | 2.20% | 1.57% | 0.90% | -0.29% | 4.06% | 2.46% | 4.91% | +402 bps | |
| Loan Growth (YoY) | 0.06% | 1.13% | -0.55% | -2.77% | 2.82% | 3.59% | 6.39% | 6.52% | +929 bps | |
| Share Growth (YoY) | -1.51% | 2.22% | 0.23% | -0.68% | -1.91% | 3.28% | 2.08% | 4.28% | +496 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.29% | 0.93% | 0.40% | 0.45% | 0.63% | 0.77% | 0.71% | +31 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 | 12.19% | 12.36% | 12.43% | 12.96% | 13.28% | 12.71% | 12.80% | 12.98% | +2 bps | |
| Net Worth / Assets | 12.19% | 12.36% | 12.43% | 12.96% | 13.28% | 12.71% | 12.80% | 12.98% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.11% | 85.60% | 82.96% | 83.21% | 89.22% | 85.85% | 86.47% | 85.00% | +179 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 67342 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 3 branches
Q2 2026
Return on Assets
0.84%
Rank 5 of 20
Net Interest Margin
4.06%
Rank 8 of 20
Efficiency Ratio
74.56%
Rank 5 of 20
Equity / Assets
12.98%
Rank 5 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.22% | 0.41% | 0.84% | Beats 75% | 5 / 20 | ||
| Return on Equity | 6.45% | 1.78% | 3.57% | 6.45% | Beats 75% | 5 / 20 | ||
| Net Interest Margin | 4.06% | 3.17% | 3.67% | 4.80% | Beats 60% | 8 / 20 | ||
| Efficiency Ratio | 74.56% | 77.46% | 82.82% | 89.37% | Beats 80% | 5 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.26% | 0.56% | 0.65% | Beats 20% | 17 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.98% | 10.54% | 11.05% | 12.98% | Beats 75% | 5 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.98% | 10.54% | 11.05% | 12.98% | Beats 75% | 5 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.99% | 54.64% | 78.75% | 84.99% | 75th pctl | 5 / 20 | ||
| Loans / Assets | 73.06% | 48.81% | 63.38% | 73.06% | 75th pctl | 5 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||