University 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
$228.7M Assets
$101.8M Loans
$202.4M Shares
$24.6M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (rank 5 of 20). Widest gap: net interest margin trails 95% of credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (rank 19 of 20). Overall: at or above the peer median on 1 of 7 directional measures. 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
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 21.50%, the median effective tax rate of the 2,758 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