PackageTrendsPeer
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First Choice

West Palm Beach, FL · Charter 67725

NCUA · 3 branches

Q2 2026

$161.3MAssets
$78.7MLoans
$146.5MShares
$16.8MNet 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 0.41%, up 6 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.60% of loans (+4 bps YoY).
  • Capital: net worth / assets of 10.44%, down 40 bps from a year ago.
  • Funding: loans stand at 53.71% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.83%-9 bps YoY

Efficiency Ratio (YTD, annualized)

77.48%-79 bps YoY

Net Worth / Assets

10.44%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.35%0.36%0.33%0.41%+6 bps
Return on Equity3.21%3.25%3.41%3.09%3.90%+69 bps
Net Interest Margin2.92%2.90%2.90%2.88%2.83%-9 bps
Efficiency Ratio78.26%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 / Loans0.56%0.32%0.72%0.47%0.60%+4 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 Capital10.84%10.75%10.70%10.71%10.44%-40 bps
Net Worth / Assets10.84%10.75%10.70%10.71%10.44%-40 bps
Liquidity & Funding
Loans / Shares56.66%55.57%55.36%55.38%53.71%-294 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps