Pembroke Pines, FL · Charter 68445
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.29% | 1.04% | 1.21% | 1.07% | 0.99% | 0.72% | 0.81% | -40 bps | |
| Return on Equity | 9.32% | 8.86% | 7.25% | 8.19% | 7.56% | 7.14% | 5.43% | 5.94% | -225 bps | |
| Net Interest Margin | 3.57% | 3.59% | 3.47% | 3.53% | 3.32% | 3.22% | 2.94% | 3.03% | -50 bps | |
| Efficiency Ratio | 61.82% | 62.57% | 67.06% | 65.84% | 67.01% | 67.67% | 77.82% | 76.56% | +1,072 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.48% | -1.04% | -0.12% | 1.95% | 8.01% | 12.38% | 15.85% | 15.65% | +1,370 bps | |
| Loan Growth (YoY) | 2.42% | 1.01% | 0.67% | 2.99% | 4.54% | 6.79% | 6.97% | 6.06% | +308 bps | |
| Share Growth (YoY) | -3.76% | -1.22% | -0.87% | 1.46% | 9.05% | 13.39% | 17.84% | 18.85% | +1,739 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.35% | 0.22% | 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 | 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 | 14.14% | 14.53% | 14.30% | 14.76% | 14.17% | 13.92% | 13.23% | 13.59% | -118 bps | |
| Net Worth / Assets | 14.14% | 14.53% | 14.30% | 14.76% | 14.17% | 13.92% | 13.23% | 13.59% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.51% | 94.36% | 90.87% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |