Miami, FL · Charter 176
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.70% | 0.67% | 0.88% | 0.99% | +19 bps | |
| Return on Equity | 5.15% | 4.42% | 4.30% | 5.63% | 6.38% | +123 bps | |
| Net Interest Margin | 3.15% | 3.26% | 3.27% | 3.42% | 3.48% | +33 bps | |
| Efficiency Ratio | 74.37% | 74.52% | 74.45% | 70.77% | 71.03% | -334 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.18% | 3.94% | 4.85% | 4.52% | 5.70% | +152 bps | |
| Loan Growth (YoY) | 12.50% | 11.56% | 15.16% | 17.20% | 14.17% | +166 bps | |
| Share Growth (YoY) | 3.40% | 3.25% | 3.80% | 4.05% | 5.28% | +189 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.63% | 0.74% | 0.44% | 0.61% | +1 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.54% | 15.80% | 15.71% | 15.57% | 15.45% | -9 bps | |
| Net Worth / Assets | 15.54% | 15.80% | 15.71% | 15.57% | 15.45% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.33% | 71.19% | 73.87% | 74.48% | 73.01% | +568 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |