Miami, FL · Charter 67338
NCUA · 1 branch
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=26). 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
77
Profitability
0
Liquidity
0
Efficiency
85
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 67338
NCUA · 1 branch
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.96% | 1.23% | 1.20% | 1.31% | -4.62% | -658 bps | |
| Return on Equity | 10.26% | 6.34% | 6.00% | 6.51% | -31.20% | -4,146 bps | |
| Net Interest Margin | 5.15% | 4.64% | 4.60% | 4.59% | -0.81% | -596 bps | |
| Efficiency Ratio | 61.48% | 72.17% | 73.04% | 71.44% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.43% | -5.60% | -5.65% | -3.77% | -1.61% | +381 bps | |
| Loan Growth (YoY) | -4.16% | -7.69% | -8.72% | -7.43% | -17.52% | -1,336 bps | |
| Share Growth (YoY) | -8.58% | -9.54% | -8.76% | -6.48% | 4.60% | +1,318 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.23% | 3.68% | 3.89% | 0.00% | 0.18% | -206 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.11% | 19.40% | 19.99% | 20.20% | 14.80% | -431 bps | |
| Net Worth / Assets | 19.11% | 19.40% | 19.99% | 20.20% | 14.80% | -431 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.11% | 32.69% | 30.18% | 29.70% | 26.90% | -721 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Miami, FL · Charter 67338 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=26)
NCUA · 1 branch
Q4 2025
Return on Assets
-4.62%
Rank 26 of 26
Net Interest Margin
-0.83%
Rank 26 of 26
Equity / Assets
14.80%
Rank 4 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.62% | 0.19% | 0.42% | 0.80% | Beats 0% | 26 / 26 | |
| Return on Equity | -31.22% | 1.96% | 3.40% | 7.14% | Beats 0% | 26 / 26 | |
| Net Interest Margin | -0.83% | 3.09% | 3.65% | 4.21% | Beats 0% | 26 / 26 | |
| Efficiency Ratio | n/a | Not reported for this institution | |||||
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.18% | 0.54% | 0.71% | Beats 77% | 7 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.80% | 10.31% | 11.17% | 12.71% | Beats 85% | 4 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.80% | 10.32% | 11.17% | 12.71% | Beats 85% | 4 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 26.90% | 55.36% | 81.37% | 87.52% | 4th pctl | 25 / 26 | |
| Loans / Assets | 22.88% | 49.34% | 69.85% | 73.67% | 4th pctl | 25 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||