Miami Lakes, FL · Charter 24718
NCUA · 6 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.58% | 0.83% | 0.98% | 0.87% | 0.80% | 0.72% | 0.62% | -35 bps | |
| Return on Equity | 6.05% | 5.35% | 7.73% | 8.88% | 7.95% | 7.17% | 6.78% | 6.23% | -264 bps | |
| Net Interest Margin | 3.41% | 3.62% | 3.98% | 4.13% | 4.15% | 4.21% | 3.92% | 3.67% | -46 bps | |
| Efficiency Ratio | 79.50% | 79.94% | 79.25% | 77.49% | 77.06% | 77.25% | 78.25% | 78.97% | +147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.67% | 2.32% | 1.23% | -5.38% | -0.92% | 3.38% | 8.31% | 15.64% | +2,102 bps | |
| Loan Growth (YoY) | 11.97% | 19.12% | 25.59% | 26.81% | 28.83% | 20.67% | 10.66% | 8.61% | -1,820 bps | |
| Share Growth (YoY) | 7.67% | 8.68% | 8.47% | 6.65% | 5.14% | 3.31% | 9.25% | 11.31% | +465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.55% | 0.07% | 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 | 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 | 10.23% | 10.78% | 10.72% | 11.00% | 11.00% | 11.17% | 10.58% | 9.97% | -103 bps | |
| Net Worth / Assets | 10.23% | 10.78% | 10.72% | 11.00% | 11.00% | 11.17% | 10.58% | 9.97% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.29% | 86.00% | 92.01% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |