Sunrise, FL · Charter 67444
NCUA · 2 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
40
Asset Quality
50
Profitability
87
Liquidity
1
Efficiency
95
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.
Sunrise, FL · Charter 67444
NCUA · 2 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 | 1.15% | 0.97% | 1.13% | 1.18% | 1.12% | 1.07% | 1.28% | 1.44% | +26 bps | |
| Return on Equity | 11.87% | 9.96% | 11.72% | 11.91% | 11.24% | 10.35% | 12.23% | 13.21% | +129 bps | |
| Net Interest Margin | 3.97% | 3.96% | 3.93% | 4.07% | 4.05% | 4.17% | 4.34% | 4.44% | +37 bps | |
| Efficiency Ratio | 70.52% | 73.77% | 72.06% | 71.29% | 72.30% | 73.39% | 69.57% | 66.33% | -496 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.36% | 8.08% | 9.99% | 7.45% | 7.37% | 4.77% | 2.57% | 2.17% | -528 bps | |
| Loan Growth (YoY) | 8.43% | 6.63% | 6.63% | 4.94% | 4.93% | 7.04% | 5.80% | 6.07% | +113 bps | |
| Share Growth (YoY) | 5.51% | 7.31% | 8.92% | 6.54% | 6.33% | 3.85% | 2.09% | 1.46% | -507 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.54% | 0.16% | 0.14% | 0.26% | 0.23% | 0.30% | 0.56% | +42 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 | 9.69% | 9.69% | 9.64% | 9.94% | 9.97% | 10.32% | 10.50% | 10.93% | +99 bps | |
| Net Worth / Assets | 9.69% | 9.69% | 9.64% | 9.94% | 9.97% | 10.32% | 10.50% | 10.93% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.62% | 86.29% | 85.86% | 86.53% | 85.48% | 88.93% | 88.99% | 90.46% | +393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sunrise, FL · Charter 67444 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 2 branches
Q2 2026
Return on Assets
1.44%
Rank 1 of 20
Net Interest Margin
4.44%
Rank 6 of 20
Efficiency Ratio
66.34%
Rank 2 of 20
Equity / Assets
10.93%
Rank 12 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.22% | 0.41% | 0.84% | Beats 95% | 1 / 20 | ||
| Return on Equity | 13.20% | 1.78% | 3.57% | 6.45% | Beats 95% | 1 / 20 | ||
| Net Interest Margin | 4.44% | 3.17% | 3.67% | 4.80% | Beats 70% | 6 / 20 | ||
| Efficiency Ratio | 66.34% | 77.46% | 82.82% | 89.37% | Beats 95% | 2 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.26% | 0.56% | 0.65% | Beats 50% | 11 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.93% | 10.54% | 11.05% | 12.98% | Beats 40% | 12 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.93% | 10.54% | 11.05% | 12.98% | Beats 40% | 12 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.46% | 54.64% | 78.75% | 84.99% | 85th pctl | 3 / 20 | ||
| Loans / Assets | 79.75% | 48.81% | 63.38% | 73.06% | 95th pctl | 1 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||