Miami, FL · Charter 2149
NCUA · 6 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Miami, FL · Charter 2149
NCUA · 6 branches
Q2 2017
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | -0.26% | 0.00% | -0.32% | -0.27% | +25 bps | |
| Return on Equity | -3.35% | -1.63% | 0.03% | -1.97% | -1.68% | +168 bps | |
| Net Interest Margin | 2.29% | 2.34% | 2.39% | 2.32% | 2.32% | +3 bps | |
| Efficiency Ratio | 97.91% | 94.68% | 92.36% | 90.43% | 91.69% | -622 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.78% | -2.45% | -5.02% | -6.30% | -3.06% | -28 bps | |
| Loan Growth (YoY) | 4.16% | -2.45% | -3.91% | -2.99% | -11.09% | -1,525 bps | |
| Share Growth (YoY) | -2.77% | -1.62% | -5.96% | -7.45% | -3.69% | -92 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.74% | 0.89% | 0.73% | 0.88% | +46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.09% | 0.97% | 1.29% | 1.33% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.51% | 15.74% | 16.34% | 16.06% | 16.13% | +63 bps | |
| Net Worth / Assets | 15.51% | 15.74% | 16.34% | 16.06% | 16.13% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.96% | 39.56% | 39.91% | 37.67% | 35.96% | -299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |