Miami, FL · Charter 67330
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -1.05% | -1.45% | -0.19% | -1.29% | -1.43% | 0.07% | 0.16% | +35 bps | |
| Return on Equity | 1.59% | -9.64% | -14.49% | -1.92% | -13.77% | -15.74% | 0.83% | 1.78% | +370 bps | |
| Net Interest Margin | 3.46% | 3.66% | 3.29% | 3.32% | 3.43% | 3.52% | 3.42% | 3.67% | +35 bps | |
| Efficiency Ratio | 90.58% | 124.12% | 104.93% | 77.97% | 88.00% | 90.03% | 81.40% | 81.44% | +346 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.62% | -4.20% | -4.53% | -2.82% | -1.25% | 2.61% | 0.19% | -4.79% | -197 bps | |
| Loan Growth (YoY) | 2.01% | -0.81% | -0.61% | -1.33% | 1.44% | -0.86% | -0.53% | 0.91% | +224 bps | |
| Share Growth (YoY) | 2.79% | -2.29% | -3.04% | -1.79% | 0.48% | 3.74% | 0.77% | -5.15% | -336 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.86% | 0.61% | 0.81% | 0.56% | 0.18% | 0.18% | 0.26% | -55 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 | 11.43% | 10.92% | 10.00% | 9.76% | 9.36% | 9.10% | 8.87% | 9.25% | -51 bps | |
| Net Worth / Assets | 11.43% | 10.92% | 10.00% | 9.76% | 9.36% | 9.10% | 8.87% | 9.25% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.30% | 70.62% | 66.87% | 66.65% | 67.95% | 67.49% | 66.01% | 70.91% | +426 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |