Boca Raton, FL · Charter 68663
NCUA · 21 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
41
Asset Quality
45
Profitability
46
Liquidity
61
Efficiency
59
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.
Boca Raton, FL · Charter 68663
NCUA · 21 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 | 0.90% | 0.87% | 0.60% | 0.68% | 0.72% | 0.75% | 0.79% | 0.81% | +13 bps | |
| Return on Equity | 8.95% | 8.38% | 5.77% | 6.42% | 6.79% | 7.10% | 7.43% | 7.68% | +126 bps | |
| Net Interest Margin | 2.74% | 2.81% | 2.91% | 3.01% | 3.06% | 3.04% | 3.13% | 3.18% | +17 bps | |
| Efficiency Ratio | 67.86% | 69.02% | 72.55% | 70.92% | 70.06% | 69.23% | 68.40% | 69.20% | -172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.07% | 1.31% | -0.48% | -0.30% | 0.47% | 4.95% | 5.10% | 5.83% | +613 bps | |
| Loan Growth (YoY) | 2.94% | -0.12% | 0.87% | 0.56% | 0.53% | 1.35% | 1.84% | 1.50% | +93 bps | |
| Share Growth (YoY) | 0.60% | 2.10% | 3.04% | 3.33% | 4.19% | 5.30% | 5.62% | 6.55% | +323 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.79% | 0.74% | 0.79% | 0.70% | 0.83% | 0.72% | 0.75% | -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 | 10.09% | 10.39% | 10.40% | 10.57% | 10.63% | 10.52% | 10.57% | 10.52% | -5 bps | |
| Net Worth / Assets | 10.09% | 10.39% | 10.40% | 10.57% | 10.63% | 10.52% | 10.57% | 10.52% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.04% | 99.43% | 97.65% | 98.51% | 96.52% | 95.70% | 94.16% | 93.84% | -467 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.59% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Boca Raton, FL · Charter 68663 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
Return on Assets
0.81%
Rank 216 of 435
Net Interest Margin
3.18%
Rank 279 of 435
Efficiency Ratio
69.20%
Rank 181 of 435
Equity / Assets
10.52%
Rank 255 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.81% | 0.55% | 0.81% | 1.14% | Beats 50% | 216 / 435 | ||
| Return on Equity | 7.68% | 5.12% | 7.41% | 9.70% | Beats 53% | 205 / 435 | ||
| Net Interest Margin | 3.18% | 3.01% | 3.39% | 3.75% | Beats 36% | 279 / 435 | ||
| Efficiency Ratio | 69.20% | 65.25% | 71.39% | 77.86% | Beats 59% | 181 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.45% | 0.69% | 1.05% | Beats 45% | 240 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.52% | 9.81% | 10.84% | 12.63% | Beats 41% | 255 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.52% | 9.81% | 10.84% | 12.63% | Beats 41% | 255 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.84% | 78.33% | 88.38% | 95.61% | 70th pctl | 132 / 435 | ||
| Loans / Assets | 77.04% | 67.69% | 74.58% | 80.80% | 59th pctl | 179 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||