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Financial

Miami, FL · Charter 2149

NCUA · 6 branches

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Financial

Miami, FL · Charter 2149

NCUA · 6 branches

Q2 2017

$50.7MAssets
$15.3MLoans
$42.5MShares
$8.2MNet Worth

Executive Summary

  • Earnings: ROA of -0.27%, up 25 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 0.88% of loans (+46 bps YoY).
  • Capital: net worth / assets of 16.13%, up 63 bps from a year ago.
  • Funding: loans stand at 35.96% of shares as of Q2 2017.

Return on Assets (YTD, annualized)

-0.27%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.32%+3 bps YoY

Efficiency Ratio (YTD, annualized)

91.69%-622 bps YoY

Net Worth / Assets

16.13%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.06%-0.09%-0.73%-0.52%-0.26%0.00%-0.32%-0.27%+25 bps
Return on Equity-0.37%-0.56%-4.92%-3.35%-1.63%0.03%-1.97%-1.68%+168 bps
Net Interest Margin2.21%2.21%2.10%2.29%2.34%2.39%2.32%2.32%+3 bps
Efficiency Ratio98.36%97.87%105.53%97.91%94.68%92.36%90.43%91.69%-622 bps
Growth
Asset Growth (YoY)0.10%2.06%2.71%-2.78%-2.45%-5.02%-6.30%-3.06%-28 bps
Loan Growth (YoY)18.87%17.28%14.56%4.16%-2.45%-3.91%-2.99%-11.09%-1,525 bps
Share Growth (YoY)0.08%2.57%3.67%-2.77%-1.62%-5.96%-7.45%-3.69%-92 bps
Asset Quality
Delinquent Loans / Loans0.85%1.66%1.40%0.43%0.74%0.89%0.73%0.88%+46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.69%0.74%0.91%1.08%1.09%0.97%1.29%1.33%+25 bps
Capital
Risk-Based Capital15.59%15.51%14.94%15.51%15.74%16.34%16.06%16.13%+63 bps
Net Worth / Assets15.59%15.51%14.94%15.51%15.74%16.34%16.06%16.13%+63 bps
Liquidity & Funding
Loans / Shares39.89%39.05%35.94%38.96%39.56%39.91%37.67%35.96%-299 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps