Ft. Lauderdale, FL · Charter 22159
NCUA · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.35% | -0.43% | -0.38% | -0.42% | -0.35% | -0.26% | -0.27% | -0.28% | +14 bps | |
| Return on Equity | -3.91% | -4.58% | -4.21% | -4.66% | -4.06% | -2.98% | -2.98% | -3.11% | +155 bps | |
| Net Interest Margin | 2.88% | 2.94% | 2.86% | 2.90% | 2.86% | 2.93% | 3.05% | 3.12% | +22 bps | |
| Efficiency Ratio | 104.77% | 106.76% | 106.06% | 105.69% | 107.22% | 106.31% | 106.17% | 105.80% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.40% | -4.64% | -2.55% | -2.53% | -0.88% | 1.36% | -3.72% | -4.22% | -169 bps | |
| Loan Growth (YoY) | 1.83% | 0.44% | -1.63% | -3.70% | -5.30% | -6.96% | -4.67% | -4.97% | -127 bps | |
| Share Growth (YoY) | -8.68% | -6.19% | -2.08% | 1.21% | 2.87% | 2.07% | -4.28% | -4.72% | -592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.41% | 1.48% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.08% | 9.36% | 9.08% | 9.00% | 8.70% | 8.84% | 9.04% | 9.06% | +6 bps | |
| Net Worth / Assets | 9.08% | 9.36% | 9.08% | 9.00% | 8.70% | 8.84% | 9.04% | 9.06% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.59% | 70.74% | 66.92% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |