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 | |