Pembroke Pines, FL · Charter 68445
NCUA · 6 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
1
Profitability
36
Liquidity
84
Efficiency
29
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.
Pembroke Pines, FL · Charter 68445
NCUA · 6 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 | 1.21% | 1.07% | 0.99% | 0.72% | 0.81% | -40 bps | |
| Return on Equity | 8.19% | 7.56% | 7.14% | 5.43% | 5.94% | -225 bps | |
| Net Interest Margin | 3.53% | 3.32% | 3.22% | 2.94% | 3.03% | -50 bps | |
| Efficiency Ratio | 65.84% | 67.01% | 67.67% | 77.82% | 76.56% | +1,072 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.95% | 8.01% | 12.38% | 15.85% | 15.65% | +1,370 bps | |
| Loan Growth (YoY) | 2.99% | 4.54% | 6.79% | 6.97% | 6.06% | +308 bps | |
| Share Growth (YoY) | 1.46% | 9.05% | 13.39% | 17.84% | 18.85% | +1,739 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 1.93% | 3.57% | 3.06% | 3.35% | +293 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 | 14.76% | 14.17% | 13.92% | 13.23% | 13.59% | -118 bps | |
| Net Worth / Assets | 14.76% | 14.17% | 13.92% | 13.23% | 13.59% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.89% | 90.60% | 88.87% | 82.48% | 84.68% | -1,021 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pembroke Pines, FL · Charter 68445 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
Return on Assets
0.81%
Rank 217 of 435
Net Interest Margin
3.03%
Rank 324 of 435
Efficiency Ratio
76.57%
Rank 308 of 435
Equity / Assets
13.59%
Rank 68 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.55% | 0.81% | 1.14% | Beats 50% | 217 / 435 | |
| Return on Equity | 5.94% | 5.12% | 7.41% | 9.70% | Beats 33% | 290 / 435 | |
| Net Interest Margin | 3.03% | 3.01% | 3.39% | 3.75% | Beats 26% | 324 / 435 | |
| Efficiency Ratio | 76.57% | 65.25% | 71.39% | 77.86% | Beats 29% | 308 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.35% | 0.45% | 0.69% | 1.05% | Beats 1% | 431 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.59% | 9.81% | 10.84% | 12.63% | Beats 84% | 68 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.59% | 9.81% | 10.84% | 12.63% | Beats 84% | 68 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.68% | 78.33% | 88.38% | 95.61% | 40th pctl | 263 / 435 | |
| Loans / Assets | 69.97% | 67.69% | 74.58% | 80.80% | 33rd pctl | 290 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||