Miami, FL · Charter 67327
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.57% | -0.22% | 0.03% | 0.33% | 0.24% | +81 bps | |
| Return on Equity | -4.37% | -1.60% | 0.18% | 2.27% | 1.58% | +595 bps | |
| Net Interest Margin | -0.24% | 0.12% | 0.37% | 0.63% | 0.67% | +91 bps | |
| Efficiency Ratio | n/a | 250% | 77.36% | 48.90% | 54.42% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.37% | 2.35% | -4.05% | -6.64% | -9.33% | -1,370 bps | |
| Loan Growth (YoY) | 18.25% | -7.37% | -7.67% | 5.52% | 11.07% | -718 bps | |
| Share Growth (YoY) | 5.88% | 3.35% | -4.26% | -8.46% | -11.24% | -1,712 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.56% | 0.58% | 0.57% | 0.53% | 1.25% | +69 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.11% | 13.62% | 14.47% | 14.45% | 14.89% | +178 bps | |
| Net Worth / Assets | 13.11% | 13.62% | 14.47% | 14.45% | 14.89% | +178 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |