Educational
Miami, FL · Charter 176 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
$1.8BAssets
$1.1BLoans
$1.6BShares
$284.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of credit unions $1B-$10B in assets (rank 33 of 435).
- Widest gap: return on equity trails 63% of credit unions $1B-$10B in assets (rank 275 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.99%
Rank 145 of 435
Net Interest Margin
3.48%
Rank 189 of 435
Efficiency Ratio
71.03%
Rank 206 of 435
Equity / Assets
15.45%
Rank 33 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.55% | 0.81% | 1.14% | Beats 67% | 145 / 435 | |
| Return on Equity | 6.38% | 5.12% | 7.41% | 9.70% | Beats 37% | 275 / 435 | |
| Net Interest Margin | 3.48% | 3.01% | 3.39% | 3.75% | Beats 57% | 189 / 435 | |
| Efficiency Ratio | 71.03% | 65.25% | 71.39% | 77.86% | Beats 53% | 206 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.45% | 0.69% | 1.05% | Beats 58% | 185 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.45% | 9.81% | 10.84% | 12.63% | Beats 92% | 33 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.45% | 9.81% | 10.84% | 12.63% | Beats 92% | 33 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 73.01% | 78.33% | 88.38% | 95.61% | 17th pctl | 362 / 435 | |
| Loans / Assets | 61.50% | 67.69% | 74.58% | 80.80% | 15th pctl | 368 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |