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Electricians' Local 349

Miami, FL · Charter 67338

NCUA · 1 branch

Q4 2025

$4.8MAssets
$1.1MLoans
$4.1MShares
$711KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.62%, down 658 bps year over year; NIM at -0.81%.
  • Asset quality: problem loans at 0.18% of loans (-206 bps YoY).
  • Capital: net worth / assets of 14.80%, down 431 bps from a year ago.
  • Funding: loans stand at 26.90% of shares as of Q4 2025.

Financial Results

Return on Assets (quarter, annualized)

-4.62%-658 bps YoY

Net Interest Margin (quarter, annualized)

-0.81%-596 bps YoY

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

14.80%-431 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.96%1.23%1.20%1.31%-4.62%-658 bps
Return on Equity10.26%6.34%6.00%6.51%-31.20%-4,146 bps
Net Interest Margin5.15%4.64%4.60%4.59%-0.81%-596 bps
Efficiency Ratio61.48%72.17%73.04%71.44%n/an/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 / Loans2.23%3.68%3.89%0.00%0.18%-206 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.11%19.40%19.99%20.20%14.80%-431 bps
Net Worth / Assets19.11%19.40%19.99%20.20%14.80%-431 bps
Liquidity & Funding
Loans / Shares34.11%32.69%30.18%29.70%26.90%-721 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps