PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

University

Miami, FL · Charter 67348

NCUA · 4 branches

Q2 2026

$228.7MAssets
$101.8MLoans
$202.4MShares
$24.6MNet 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 0.22%, down 3 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.24% of loans (-22 bps YoY).
  • Capital: net worth / assets of 10.75%, up 49 bps from a year ago.
  • Funding: loans stand at 50.31% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.22%-3 bps YoY

Net Interest Margin (quarter, annualized)

2.77%+22 bps YoY

Efficiency Ratio (quarter, annualized)

89.09%-157 bps YoY

Net Worth / Assets

10.75%+49 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.25%0.24%0.22%0.22%-3 bps
Return on Equity2.52%2.40%2.30%2.11%2.09%-43 bps
Net Interest Margin2.55%2.59%2.60%2.68%2.77%+22 bps
Efficiency Ratio90.66%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 / Loans0.47%0.55%0.35%0.19%0.24%-22 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 Capital10.26%10.35%10.39%10.48%10.75%+49 bps
Net Worth / Assets10.26%10.35%10.39%10.48%10.75%+49 bps
Liquidity & Funding
Loans / Shares44.96%46.08%47.57%49.75%50.31%+535 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps