PackageTrendsPeer
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Ithink Financial

Boca Raton, FL · Charter 68663

NCUA · 21 branches

Q2 2026

$2.4BAssets
$1.8BLoans
$2.0BShares
$250.2MNet 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 0.81%, up 13 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.75% of loans (-4 bps YoY).
  • Capital: net worth / assets of 10.52%, down 5 bps from a year ago.
  • Funding: loans stand at 93.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+17 bps YoY

Efficiency Ratio (YTD, annualized)

69.20%-172 bps YoY

Net Worth / Assets

10.52%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.72%0.75%0.79%0.81%+13 bps
Return on Equity6.42%6.79%7.10%7.43%7.68%+126 bps
Net Interest Margin3.01%3.06%3.04%3.13%3.18%+17 bps
Efficiency Ratio70.92%70.06%69.23%68.40%69.20%-172 bps
Growth
Asset Growth (YoY)-0.30%0.47%4.95%5.10%5.83%+613 bps
Loan Growth (YoY)0.56%0.53%1.35%1.84%1.50%+93 bps
Share Growth (YoY)3.33%4.19%5.30%5.62%6.55%+323 bps
Asset Quality
Delinquent Loans / Loans0.79%0.70%0.83%0.72%0.75%-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 Capital10.57%10.63%10.52%10.57%10.52%-5 bps
Net Worth / Assets10.57%10.63%10.52%10.57%10.52%-5 bps
Liquidity & Funding
Loans / Shares98.51%96.52%95.70%94.16%93.84%-467 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps