PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Guardians

West Palm Beach, FL · Charter 67521

NCUA · 6 branches

Q2 2026

$309.5MAssets
$207.4MLoans
$256.4MShares
$45.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.52%, down 50 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.42% of loans (+5 bps YoY).
  • Capital: net worth / assets of 14.68%, up 62 bps from a year ago.
  • Funding: loans stand at 80.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%-50 bps YoY

Net Interest Margin (YTD, annualized)

4.05%-8 bps YoY

Efficiency Ratio (YTD, annualized)

81.15%+583 bps YoY

Net Worth / Assets

14.68%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.15%1.12%0.44%0.52%-50 bps
Return on Equity7.29%7.86%7.50%3.03%3.57%-372 bps
Net Interest Margin4.13%4.31%4.35%4.00%4.05%-8 bps
Efficiency Ratio75.32%74.27%75.51%82.21%81.15%+583 bps
Growth
Asset Growth (YoY)1.89%0.57%-1.16%0.62%1.58%-31 bps
Loan Growth (YoY)-3.30%-2.26%-1.68%-1.67%-3.01%+29 bps
Share Growth (YoY)1.61%-1.06%-3.11%-0.32%1.16%-45 bps
Asset Quality
Delinquent Loans / Loans0.37%0.15%0.38%0.15%0.42%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.06%14.67%14.92%14.53%14.68%+62 bps
Net Worth / Assets14.06%14.67%14.92%14.53%14.68%+62 bps
Liquidity & Funding
Loans / Shares84.36%87.49%86.87%82.65%80.88%-348 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps