Miami, FL · Charter 67348
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.37% | 0.24% | 0.26% | 0.25% | 0.24% | 0.22% | 0.22% | -3 bps | |
| Return on Equity | 3.68% | 3.66% | 2.41% | 2.52% | 2.40% | 2.30% | 2.11% | 2.09% | -43 bps | |
| Net Interest Margin | 2.57% | 2.61% | 2.43% | 2.55% | 2.59% | 2.60% | 2.68% | 2.77% | +22 bps | |
| Efficiency Ratio | 85.42% | 85.48% | 92.66% | 90.66% | 89.30% | 89.77% | 88.10% | 89.09% | -157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.18% | -6.58% | -5.88% | -5.47% | -3.33% | -1.94% | -2.99% | -2.89% | +258 bps | |
| Loan Growth (YoY) | -12.34% | -13.69% | -11.20% | -7.13% | -2.55% | 4.45% | 10.86% | 9.34% | +1,647 bps | |
| Share Growth (YoY) | -6.02% | -3.65% | -3.88% | -3.09% | -0.20% | -0.20% | -1.93% | -2.28% | +80 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.22% | 0.25% | 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 | 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 | 9.77% | 10.00% | 9.98% | 10.26% | 10.35% | 10.39% | 10.48% | 10.75% | +49 bps | |
| Net Worth / Assets | 9.77% | 10.00% | 9.98% | 10.26% | 10.35% | 10.39% | 10.48% | 10.75% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.19% | 45.45% | 44.01% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |