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Med-Health

Ft. Lauderdale, FL · Charter 22159

NCUA · 1 branch

Q4 2025

$39.5MAssets
$23.8MLoans
$35.7MShares
$3.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.28%, up 14 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.10% of loans (-162 bps YoY).
  • Capital: net worth / assets of 9.06%, up 6 bps from a year ago.
  • Funding: loans stand at 66.68% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.28%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+22 bps YoY

Efficiency Ratio (YTD, annualized)

105.80%+11 bps YoY

Net Worth / Assets

9.06%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
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 Margin2.90%2.86%2.93%3.05%3.12%+22 bps
Efficiency Ratio105.69%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 / Loans1.72%1.24%0.12%0.15%0.10%-162 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.00%8.70%8.84%9.04%9.06%+6 bps
Net Worth / Assets9.00%8.70%8.84%9.04%9.06%+6 bps
Liquidity & Funding
Loans / Shares66.86%64.06%64.49%66.65%66.68%-18 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps