Electricians' Local 349 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
$4.8M Assets
$1.1M Loans
$4.1M Shares
$711K Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 85% of credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (rank 4 of 26). Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (rank 26 of 26). Overall: at or above the peer median on 3 of 6 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.10%, the median effective tax rate of the 2,760 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11