Miami, FL · Charter 14391
NCUA · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.35% | 0.36% | 0.73% | 0.66% | 0.73% | 0.60% | 0.98% | +25 bps | |
| Return on Equity | 4.35% | 2.96% | 3.27% | 6.37% | 5.80% | 6.26% | 5.41% | 8.87% | +251 bps | |
| Net Interest Margin | 4.87% | 4.83% | 4.61% | 4.80% | 4.92% | 5.01% | 5.04% | 4.95% | +15 bps | |
| Efficiency Ratio | 78.24% | 79.04% | 81.25% | 80.42% | 78.87% | 77.28% | 78.20% | 77.79% | -264 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.23% | 13.81% | 16.98% | 13.90% | 8.71% | 7.46% | 6.24% | 10.40% | -350 bps | |
| Loan Growth (YoY) | 8.72% | 7.46% | 6.65% | 6.14% | 5.37% | 6.87% | 8.09% | 7.38% | +124 bps | |
| Share Growth (YoY) | 10.66% | 15.72% | 19.32% | 15.57% | 9.36% | 7.72% | 6.19% | 10.75% | -482 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.70% | 0.94% | 0.87% | 0.91% | 0.96% | 0.48% | 0.62% | -25 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 | 12.06% | 11.84% | 11.02% | 11.41% | 11.42% | 11.64% | 11.05% | 11.05% | -36 bps | |
| Net Worth / Assets | 12.06% | 11.84% | 11.02% | 11.41% | 11.42% | 11.64% | 11.05% | 11.05% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.16% | 88.22% | 80.41% | 83.97% | 84.95% | 87.52% | 81.85% | 81.41% | -256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |