Ft. Lauderdale, FL · Charter 22159
NCUA · 1 branch
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=25 to 26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
92
Profitability
16
Liquidity
63
Efficiency
4
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ft. Lauderdale, FL · Charter 22159
NCUA · 1 branch
Q4 2025
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | -0.35% | -0.26% | -0.27% | -0.28% | +14 bps | |
| Return on Equity | -4.66% | -4.06% | -2.98% | -2.98% | -3.11% | +155 bps | |
| Net Interest Margin | 2.90% | 2.86% | 2.93% | 3.05% | 3.12% | +22 bps | |
| Efficiency Ratio | 105.69% | 107.22% | 106.31% | 106.17% | 105.80% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.53% | -0.88% | 1.36% | -3.72% | -4.22% | -169 bps | |
| Loan Growth (YoY) | -3.70% | -5.30% | -6.96% | -4.67% | -4.97% | -127 bps | |
| Share Growth (YoY) | 1.21% | 2.87% | 2.07% | -4.28% | -4.72% | -592 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.72% | 1.24% | 0.12% | 0.15% | 0.10% | -162 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 | 9.00% | 8.70% | 8.84% | 9.04% | 9.06% | +6 bps | |
| Net Worth / Assets | 9.00% | 8.70% | 8.84% | 9.04% | 9.06% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.86% | 64.06% | 64.49% | 66.65% | 66.68% | -18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ft. Lauderdale, FL · Charter 22159 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=25-26)
NCUA · 1 branch
Q4 2025
Return on Assets
-0.28%
Rank 24 of 26
Net Interest Margin
3.12%
Rank 18 of 26
Efficiency Ratio
105.84%
Rank 25 of 25
Equity / Assets
9.06%
Rank 25 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.28% | 0.19% | 0.42% | 0.80% | Beats 8% | 24 / 26 | |
| Return on Equity | -3.10% | 1.96% | 3.40% | 7.14% | Beats 8% | 24 / 26 | |
| Net Interest Margin | 3.12% | 3.09% | 3.65% | 4.21% | Beats 31% | 18 / 26 | |
| Efficiency Ratio | 105.84% | 75.51% | 78.78% | 89.76% | Beats 4% | 25 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.18% | 0.54% | 0.71% | Beats 92% | 3 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.06% | 10.31% | 11.17% | 12.71% | Beats 4% | 25 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.06% | 10.32% | 11.17% | 12.71% | Beats 4% | 25 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.68% | 55.36% | 81.37% | 87.52% | 35th pctl | 17 / 26 | |
| Loans / Assets | 60.23% | 49.34% | 69.85% | 73.67% | 35th pctl | 17 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||