Miami, FL · Charter 67327
NCUA · 1 branch
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
85
Asset Quality
45
Profitability
17
Liquidity
0
Efficiency
100
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, FL · Charter 67327
NCUA · 1 branch
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 | 0.19% | 0.16% | -0.83% | -0.57% | -0.22% | 0.03% | 0.33% | 0.24% | +81 bps | |
| Return on Equity | 1.35% | 1.14% | -6.59% | -4.37% | -1.60% | 0.18% | 2.27% | 1.58% | +595 bps | |
| Net Interest Margin | 0.52% | 0.50% | -0.45% | -0.24% | 0.12% | 0.37% | 0.63% | 0.67% | +91 bps | |
| Efficiency Ratio | 56.74% | 59.28% | n/a | n/a | 250% | 77.36% | 48.90% | 54.42% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | 2.13% | 7.99% | 4.37% | 2.35% | -4.05% | -6.64% | -9.33% | -1,370 bps | |
| Loan Growth (YoY) | 33.27% | 20.25% | 15.37% | 18.25% | -7.37% | -7.67% | 5.52% | 11.07% | -718 bps | |
| Share Growth (YoY) | -0.81% | 2.19% | 10.55% | 5.88% | 3.35% | -4.26% | -8.46% | -11.24% | -1,712 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.42% | 0.74% | 0.53% | +53 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 | 0.54% | 0.53% | 0.56% | 0.56% | 0.58% | 0.57% | 0.53% | 1.25% | +69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.24% | 14.03% | 12.64% | 13.11% | 13.62% | 14.47% | 14.45% | 14.89% | +178 bps | |
| Net Worth / Assets | 14.24% | 14.03% | 12.64% | 13.11% | 13.62% | 14.47% | 14.45% | 14.89% | +178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 5.39% | 5.37% | 4.78% | 4.83% | 4.84% | 5.17% | 5.51% | 6.04% | +121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Miami, FL · Charter 67327 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
0.23%
Rank 14 of 20
Net Interest Margin
0.67%
Rank 20 of 20
Efficiency Ratio
56.52%
Rank 1 of 20
Equity / Assets
14.90%
Rank 3 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.23% | 0.22% | 0.41% | 0.84% | Beats 30% | 14 / 20 | ||
| Return on Equity | 1.57% | 1.78% | 3.57% | 6.45% | Beats 20% | 16 / 20 | ||
| Net Interest Margin | 0.67% | 3.17% | 3.67% | 4.80% | Beats 0% | 20 / 20 | ||
| Efficiency Ratio | 56.52% | 77.46% | 82.82% | 89.37% | Beats 100% | 1 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.26% | 0.56% | 0.65% | Beats 45% | 12 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.90% | 10.54% | 11.05% | 12.98% | Beats 85% | 3 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.90% | 10.54% | 11.05% | 12.98% | Beats 85% | 3 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 6.05% | 54.64% | 78.75% | 84.99% | 0th pctl | 20 / 20 | ||
| Loans / Assets | 5.10% | 48.81% | 63.38% | 73.06% | 0th pctl | 20 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||