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Baptist Health South Florida

Miami, FL · Charter 14391

NCUA · 7 branches

Q2 2026

$140.2MAssets
$100.0MLoans
$122.9MShares
$15.5MNet 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 0.98%, up 25 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.62% of loans (-25 bps YoY).
  • Capital: net worth / assets of 11.05%, down 36 bps from a year ago.
  • Funding: loans stand at 81.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.95%+15 bps YoY

Efficiency Ratio (YTD, annualized)

77.79%-264 bps YoY

Net Worth / Assets

11.05%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.66%0.73%0.60%0.98%+25 bps
Return on Equity6.37%5.80%6.26%5.41%8.87%+251 bps
Net Interest Margin4.80%4.92%5.01%5.04%4.95%+15 bps
Efficiency Ratio80.42%78.87%77.28%78.20%77.79%-264 bps
Growth
Asset Growth (YoY)13.90%8.71%7.46%6.24%10.40%-350 bps
Loan Growth (YoY)6.14%5.37%6.87%8.09%7.38%+124 bps
Share Growth (YoY)15.57%9.36%7.72%6.19%10.75%-482 bps
Asset Quality
Delinquent Loans / Loans0.87%0.91%0.96%0.48%0.62%-25 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 Capital11.41%11.42%11.64%11.05%11.05%-36 bps
Net Worth / Assets11.41%11.42%11.64%11.05%11.05%-36 bps
Liquidity & Funding
Loans / Shares83.97%84.95%87.52%81.85%81.41%-256 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps