Miami Lakes, FL · Charter 24718
NCUA · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
70
Profitability
62
Liquidity
0
Efficiency
65
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.
Miami Lakes, FL · Charter 24718
NCUA · 6 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 0.87% | 0.80% | 0.72% | 0.62% | -35 bps | |
| Return on Equity | 8.88% | 7.95% | 7.17% | 6.78% | 6.23% | -264 bps | |
| Net Interest Margin | 4.13% | 4.15% | 4.21% | 3.92% | 3.67% | -46 bps | |
| Efficiency Ratio | 77.49% | 77.06% | 77.25% | 78.25% | 78.97% | +147 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.38% | -0.92% | 3.38% | 8.31% | 15.64% | +2,102 bps | |
| Loan Growth (YoY) | 26.81% | 28.83% | 20.67% | 10.66% | 8.61% | -1,820 bps | |
| Share Growth (YoY) | 6.65% | 5.14% | 3.31% | 9.25% | 11.31% | +465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.30% | 0.09% | 0.10% | 0.32% | +8 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 | 11.00% | 11.00% | 11.17% | 10.58% | 9.97% | -103 bps | |
| Net Worth / Assets | 11.00% | 11.00% | 11.17% | 10.58% | 9.97% | -103 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.29% | 97.15% | 100.46% | 93.20% | 92.98% | -230 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Miami Lakes, FL · Charter 24718 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 6 branches
Q2 2026
Return on Assets
0.62%
Rank 6 of 20
Net Interest Margin
3.67%
Rank 11 of 20
Efficiency Ratio
78.97%
Rank 8 of 20
Equity / Assets
9.97%
Rank 17 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.22% | 0.41% | 0.84% | Beats 70% | 6 / 20 | |
| Return on Equity | 6.23% | 1.78% | 3.57% | 6.45% | Beats 70% | 6 / 20 | |
| Net Interest Margin | 3.67% | 3.17% | 3.67% | 4.80% | Beats 45% | 11 / 20 | |
| Efficiency Ratio | 78.97% | 77.46% | 82.82% | 89.37% | Beats 65% | 8 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.32% | 0.26% | 0.56% | 0.65% | Beats 70% | 7 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.97% | 10.54% | 11.05% | 12.98% | Beats 15% | 17 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.97% | 10.54% | 11.05% | 12.98% | Beats 15% | 17 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.98% | 54.64% | 78.75% | 84.99% | 95th pctl | 1 / 20 | |
| Loans / Assets | 77.32% | 48.81% | 63.38% | 73.06% | 90th pctl | 2 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||