West Palm Beach, FL · Charter 67725
NCUA · 3 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 | 0.59% | 0.55% | 0.32% | 0.35% | 0.35% | 0.36% | 0.33% | 0.41% | +6 bps | |
| Return on Equity | 5.44% | 5.03% | 3.04% | 3.21% | 3.25% | 3.41% | 3.09% | 3.90% | +69 bps | |
| Net Interest Margin | 2.87% | 2.88% | 2.79% | 2.92% | 2.90% | 2.90% | 2.88% | 2.83% | -9 bps | |
| Efficiency Ratio | 78.35% | 78.42% | 78.04% | 78.26% | 77.65% | 76.03% | 76.43% | 77.48% | -79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.58% | 2.74% | 6.56% | 5.23% | 5.00% | 6.38% | 1.59% | 7.91% | +268 bps | |
| Loan Growth (YoY) | 12.36% | 12.17% | 8.95% | 7.56% | 2.82% | 2.26% | 2.62% | 1.60% | -596 bps | |
| Share Growth (YoY) | -1.33% | 1.48% | 5.53% | 3.63% | 4.38% | 4.67% | 0.33% | 7.16% | +353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.33% | 0.17% | 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 | 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 | 10.91% | 10.99% | 10.50% | 10.84% | 10.75% | 10.70% | 10.71% | 10.44% | -40 bps | |
| Net Worth / Assets | 10.91% | 10.99% | 10.50% | 10.84% | 10.75% | 10.70% | 10.71% | 10.44% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.42% | 56.67% | 54.14% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |