Miami, FL · Charter 67348
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
80
Profitability
20
Liquidity
5
Efficiency
30
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 67348
NCUA · 4 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.25% | 0.24% | 0.22% | 0.22% | -3 bps | |
| Return on Equity | 2.52% | 2.40% | 2.30% | 2.11% | 2.09% | -43 bps | |
| Net Interest Margin | 2.55% | 2.59% | 2.60% | 2.68% | 2.77% | +22 bps | |
| Efficiency Ratio | 90.66% | 89.30% | 89.77% | 88.10% | 89.09% | -157 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.47% | -3.33% | -1.94% | -2.99% | -2.89% | +258 bps | |
| Loan Growth (YoY) | -7.13% | -2.55% | 4.45% | 10.86% | 9.34% | +1,647 bps | |
| Share Growth (YoY) | -3.09% | -0.20% | -0.20% | -1.93% | -2.28% | +80 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.55% | 0.35% | 0.19% | 0.24% | -22 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 | 10.26% | 10.35% | 10.39% | 10.48% | 10.75% | +49 bps | |
| Net Worth / Assets | 10.26% | 10.35% | 10.39% | 10.48% | 10.75% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.96% | 46.08% | 47.57% | 49.75% | 50.31% | +535 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Miami, FL · Charter 67348 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 4 branches
Q2 2026
Return on Assets
0.22%
Rank 15 of 20
Net Interest Margin
2.77%
Rank 19 of 20
Efficiency Ratio
89.06%
Rank 15 of 20
Equity / Assets
10.75%
Rank 13 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.22% | 0.41% | 0.84% | Beats 25% | 15 / 20 | |
| Return on Equity | 2.08% | 1.78% | 3.57% | 6.45% | Beats 30% | 14 / 20 | |
| Net Interest Margin | 2.77% | 3.17% | 3.67% | 4.80% | Beats 5% | 19 / 20 | |
| Efficiency Ratio | 89.06% | 77.46% | 82.82% | 89.37% | Beats 30% | 15 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.56% | 0.65% | Beats 80% | 5 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.75% | 10.54% | 11.05% | 12.98% | Beats 35% | 13 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.75% | 10.54% | 11.05% | 12.98% | Beats 35% | 13 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.31% | 54.64% | 78.75% | 84.99% | 15th pctl | 17 / 20 | |
| Loans / Assets | 44.52% | 48.81% | 63.38% | 73.06% | 10th pctl | 18 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||