Miami, FL · Charter 67338
NCUA · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.85% | 2.10% | 1.87% | 1.96% | 1.23% | 1.20% | 1.31% | -4.62% | -658 bps | |
| Return on Equity | 11.19% | 12.12% | 10.42% | 10.26% | 6.34% | 6.00% | 6.51% | -31.20% | -4,146 bps | |
| Net Interest Margin | 4.72% | 5.07% | 4.97% | 5.15% | 4.64% | 4.60% | 4.59% | -0.81% | -596 bps | |
| Efficiency Ratio | 61.03% | 58.38% | 62.26% | 61.48% | 72.17% | 73.04% | 71.44% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.21% | -4.11% | -2.54% | -5.43% | -5.60% | -5.65% | -3.77% | -1.61% | +381 bps | |
| Loan Growth (YoY) | -6.62% | -11.71% | -11.16% | -4.16% | -7.69% | -8.72% | -7.43% | -17.52% | -1,336 bps | |
| Share Growth (YoY) | -6.56% | -6.31% | -5.44% | -8.58% | -9.54% | -8.76% | -6.48% | 4.60% | +1,318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 1.80% | 1.51% | 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 | 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 | 16.49% | 17.31% | 17.94% | 19.11% | 19.40% | 19.99% | 20.20% | 14.80% | -431 bps | |
| Net Worth / Assets | 16.49% | 17.31% | 17.94% | 19.11% | 19.40% | 19.99% | 20.20% | 14.80% | -431 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.03% | 30.17% | 30.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |