PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gold Coast

Palm Springs, FL · Charter 967

NCUA · 4 branches

Q2 2026

$269.8MAssets
$131.1MLoans
$239.9MShares
$31.5MNet 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 0.58%, up 2 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.43% of loans (+18 bps YoY).
  • Capital: net worth / assets of 11.69%, up 20 bps from a year ago.
  • Funding: loans stand at 54.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-11 bps YoY

Efficiency Ratio (YTD, annualized)

82.82%-44 bps YoY

Net Worth / Assets

11.69%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.64%0.61%0.43%0.58%+2 bps
Return on Equity4.88%5.45%5.25%3.69%4.93%+5 bps
Net Interest Margin3.61%3.71%3.65%3.46%3.50%-11 bps
Efficiency Ratio83.26%82.13%83.03%84.73%82.82%-44 bps
Growth
Asset Growth (YoY)-3.94%-2.39%2.55%1.24%3.60%+754 bps
Loan Growth (YoY)2.14%5.19%3.63%9.39%13.79%+1,165 bps
Share Growth (YoY)-5.88%-3.80%0.91%0.47%3.09%+897 bps
Asset Quality
Delinquent Loans / Loans0.25%0.38%0.40%0.52%0.43%+18 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 Capital11.49%11.73%11.71%11.59%11.69%+20 bps
Net Worth / Assets11.49%11.73%11.71%11.59%11.69%+20 bps
Liquidity & Funding
Loans / Shares49.51%51.03%48.98%49.33%54.64%+514 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps