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 | |