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 | |