PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jetstream

Miami Lakes, FL · Charter 24718

NCUA · 6 branches

Q2 2026

$307.0MAssets
$237.4MLoans
$255.3MShares
$30.6MNet 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 0.62%, down 35 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.32% of loans (+8 bps YoY).
  • Capital: net worth / assets of 9.97%, down 103 bps from a year ago.
  • Funding: loans stand at 92.98% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.62%-35 bps YoY

Net Interest Margin (quarter, annualized)

3.67%-46 bps YoY

Efficiency Ratio (quarter, annualized)

78.97%+147 bps YoY

Net Worth / Assets

9.97%-103 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.87%0.80%0.72%0.62%-35 bps
Return on Equity8.88%7.95%7.17%6.78%6.23%-264 bps
Net Interest Margin4.13%4.15%4.21%3.92%3.67%-46 bps
Efficiency Ratio77.49%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 / Loans0.23%0.30%0.09%0.10%0.32%+8 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 Capital11.00%11.00%11.17%10.58%9.97%-103 bps
Net Worth / Assets11.00%11.00%11.17%10.58%9.97%-103 bps
Liquidity & Funding
Loans / Shares95.29%97.15%100.46%93.20%92.98%-230 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps