PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dade County

Sweetwater, FL · Charter 24508

NCUA · 11 branches

Q2 2026

$1.5BAssets
$1.1BLoans
$1.2BShares
$196.9MNet 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 1.69%, up 23 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.31% of loans (-4 bps YoY).
  • Capital: net worth / assets of 12.82%, up 53 bps from a year ago.
  • Funding: loans stand at 92.59% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+17 bps YoY

Efficiency Ratio (YTD, annualized)

65.32%-238 bps YoY

Net Worth / Assets

12.82%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.46%1.41%1.24%1.51%1.69%+23 bps
Return on Equity11.88%11.45%10.04%12.10%13.19%+131 bps
Net Interest Margin3.84%3.80%3.84%3.94%4.00%+17 bps
Efficiency Ratio67.70%66.81%69.70%67.31%65.32%-238 bps
Growth
Asset Growth (YoY)3.31%6.93%9.70%8.58%6.97%+366 bps
Loan Growth (YoY)12.56%11.63%9.95%7.09%7.32%-524 bps
Share Growth (YoY)4.79%9.08%8.59%8.59%6.00%+121 bps
Asset Quality
Delinquent Loans / Loans0.35%0.29%0.40%0.25%0.31%-4 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 Capital12.29%12.32%12.39%12.44%12.82%+53 bps
Net Worth / Assets12.29%12.32%12.39%12.44%12.82%+53 bps
Liquidity & Funding
Loans / Shares91.45%91.84%91.38%89.55%92.59%+114 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps