West Palm Beach, FL · Charter 67521
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
80
Asset Quality
60
Profitability
53
Liquidity
62
Efficiency
60
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.
West Palm Beach, FL · Charter 67521
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 | 1.26% | 1.19% | 0.79% | 1.03% | 1.15% | 1.12% | 0.44% | 0.52% | -50 bps | |
| Return on Equity | 9.23% | 8.73% | 5.81% | 7.29% | 7.86% | 7.50% | 3.03% | 3.57% | -372 bps | |
| Net Interest Margin | 4.19% | 4.17% | 3.95% | 4.13% | 4.31% | 4.35% | 4.00% | 4.05% | -8 bps | |
| Efficiency Ratio | 70.81% | 71.20% | 77.99% | 75.32% | 74.27% | 75.51% | 82.21% | 81.15% | +583 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.53% | 4.85% | 4.73% | 1.89% | 0.57% | -1.16% | 0.62% | 1.58% | -31 bps | |
| Loan Growth (YoY) | -3.59% | -4.31% | -3.24% | -3.30% | -2.26% | -1.68% | -1.67% | -3.01% | +29 bps | |
| Share Growth (YoY) | 0.69% | 4.07% | 4.21% | 1.61% | -1.06% | -3.11% | -0.32% | 1.16% | -45 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.29% | 0.19% | 0.37% | 0.15% | 0.38% | 0.15% | 0.42% | +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 | 13.61% | 13.64% | 13.62% | 14.06% | 14.67% | 14.92% | 14.53% | 14.68% | +62 bps | |
| Net Worth / Assets | 13.61% | 13.64% | 13.62% | 14.06% | 14.67% | 14.92% | 14.53% | 14.68% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.56% | 85.61% | 83.78% | 84.36% | 87.49% | 86.87% | 82.65% | 80.88% | -348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Palm Beach, FL · Charter 67521 · 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
0.52%
Rank 9 of 20
Net Interest Margin
4.05%
Rank 9 of 20
Efficiency Ratio
81.14%
Rank 9 of 20
Equity / Assets
14.68%
Rank 4 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.22% | 0.41% | 0.84% | Beats 55% | 9 / 20 | ||
| Return on Equity | 3.57% | 1.78% | 3.57% | 6.45% | Beats 50% | 10 / 20 | ||
| Net Interest Margin | 4.05% | 3.17% | 3.67% | 4.80% | Beats 55% | 9 / 20 | ||
| Efficiency Ratio | 81.14% | 77.46% | 82.82% | 89.37% | Beats 60% | 9 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.42% | 0.26% | 0.56% | 0.65% | Beats 60% | 9 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.68% | 10.54% | 11.05% | 12.98% | Beats 80% | 4 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.68% | 10.54% | 11.05% | 12.98% | Beats 80% | 4 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.88% | 54.64% | 78.75% | 84.99% | 55th pctl | 9 / 20 | ||
| Loans / Assets | 66.99% | 48.81% | 63.38% | 73.06% | 55th pctl | 9 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||