West Palm Beach, FL · Charter 67725
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
20
Asset Quality
35
Profitability
38
Liquidity
18
Efficiency
75
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 67725
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.35% | 0.36% | 0.33% | 0.41% | +6 bps | |
| Return on Equity | 3.21% | 3.25% | 3.41% | 3.09% | 3.90% | +69 bps | |
| Net Interest Margin | 2.92% | 2.90% | 2.90% | 2.88% | 2.83% | -9 bps | |
| Efficiency Ratio | 78.26% | 77.65% | 76.03% | 76.43% | 77.48% | -79 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.23% | 5.00% | 6.38% | 1.59% | 7.91% | +268 bps | |
| Loan Growth (YoY) | 7.56% | 2.82% | 2.26% | 2.62% | 1.60% | -596 bps | |
| Share Growth (YoY) | 3.63% | 4.38% | 4.67% | 0.33% | 7.16% | +353 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.32% | 0.72% | 0.47% | 0.60% | +4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 10.75% | 10.70% | 10.71% | 10.44% | -40 bps | |
| Net Worth / Assets | 10.84% | 10.75% | 10.70% | 10.71% | 10.44% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.66% | 55.57% | 55.36% | 55.38% | 53.71% | -294 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Palm Beach, FL · Charter 67725 · 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
0.41%
Rank 10 of 20
Net Interest Margin
2.83%
Rank 18 of 20
Efficiency Ratio
77.46%
Rank 6 of 20
Equity / Assets
10.44%
Rank 16 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.22% | 0.41% | 0.84% | Beats 50% | 10 / 20 | |
| Return on Equity | 3.90% | 1.78% | 3.57% | 6.45% | Beats 55% | 9 / 20 | |
| Net Interest Margin | 2.83% | 3.17% | 3.67% | 4.80% | Beats 10% | 18 / 20 | |
| Efficiency Ratio | 77.46% | 77.46% | 82.82% | 89.37% | Beats 75% | 6 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.56% | 0.65% | Beats 35% | 14 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.44% | 10.54% | 11.05% | 12.98% | Beats 20% | 16 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.44% | 10.54% | 11.05% | 12.98% | Beats 20% | 16 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.71% | 54.64% | 78.75% | 84.99% | 20th pctl | 16 / 20 | |
| Loans / Assets | 48.81% | 48.81% | 63.38% | 73.06% | 25th pctl | 15 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||