PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

We Florida Financial

Fort Lauderdale, FL · Charter 61525

NCUA · 6 branches

Q2 2026

$700.5MAssets
$441.0MLoans
$624.1MShares
$75.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.59%, up 65 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.65% of loans (-29 bps YoY).
  • Capital: net worth / assets of 10.73%, up 78 bps from a year ago.
  • Funding: loans stand at 70.66% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.59%+65 bps YoY

Net Interest Margin (quarter, annualized)

2.99%+10 bps YoY

Efficiency Ratio (quarter, annualized)

84.61%+545 bps YoY

Net Worth / Assets

10.73%+78 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.24%-0.39%-0.40%-0.06%0.22%0.25%0.41%0.59%+65 bps
Return on Equity-2.33%-4.06%-4.15%-0.58%2.20%2.39%3.90%5.53%+611 bps
Net Interest Margin2.69%2.70%2.72%2.90%3.00%3.09%2.93%2.99%+10 bps
Efficiency Ratio84.03%85.60%87.28%79.16%77.56%78.37%85.80%84.61%+545 bps
Growth
Asset Growth (YoY)-6.08%-8.61%-8.57%-4.86%-4.66%-5.66%-3.47%-3.15%+170 bps
Loan Growth (YoY)-5.98%-14.00%-17.10%-18.29%-20.83%-18.59%-16.48%-11.12%+718 bps
Share Growth (YoY)-0.74%0.57%-2.62%-4.70%-4.89%-6.96%-4.48%-4.10%+60 bps
Asset Quality
Delinquent Loans / Loans0.99%1.24%1.09%0.94%0.73%0.63%0.64%0.65%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.29%9.70%9.73%9.95%10.20%10.32%10.41%10.73%+78 bps
Net Worth / Assets10.29%9.70%9.73%9.95%10.20%10.32%10.41%10.73%+78 bps
Liquidity & Funding
Loans / Shares86.24%84.21%79.82%76.24%71.78%73.68%69.79%70.66%-558 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps