Miramar, FL · Charter 68476
NCUA · 7 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
35
Profitability
52
Liquidity
51
Efficiency
28
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.
Miramar, FL · Charter 68476
NCUA · 7 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 | 0.44% | 0.49% | 0.56% | 0.43% | 0.61% | +17 bps | |
| Return on Equity | 4.96% | 5.39% | 5.99% | 4.61% | 6.44% | +148 bps | |
| Net Interest Margin | 3.72% | 3.88% | 3.92% | 3.92% | 3.99% | +27 bps | |
| Efficiency Ratio | 80.93% | 80.33% | 78.78% | 77.38% | 76.81% | -413 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.47% | 0.82% | 0.02% | -2.38% | -1.48% | -594 bps | |
| Loan Growth (YoY) | 2.60% | 3.12% | 2.74% | 5.61% | 6.68% | +408 bps | |
| Share Growth (YoY) | 4.66% | -0.12% | -0.44% | -3.23% | -2.39% | -706 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.48% | 0.96% | 0.73% | 0.88% | +39 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 | 8.78% | 9.15% | 9.34% | 9.34% | 9.47% | +69 bps | |
| Net Worth / Assets | 8.78% | 9.15% | 9.34% | 9.34% | 9.47% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.08% | 93.09% | 92.33% | 92.34% | 95.17% | +810 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Miramar, FL · Charter 68476 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
Return on Assets
0.61%
Rank 304 of 435
Net Interest Margin
3.99%
Rank 56 of 435
Efficiency Ratio
76.81%
Rank 313 of 435
Equity / Assets
9.47%
Rank 352 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.55% | 0.81% | 1.14% | Beats 30% | 304 / 435 | |
| Return on Equity | 6.44% | 5.12% | 7.41% | 9.70% | Beats 38% | 271 / 435 | |
| Net Interest Margin | 3.99% | 3.01% | 3.39% | 3.75% | Beats 87% | 56 / 435 | |
| Efficiency Ratio | 76.81% | 65.25% | 71.39% | 77.86% | Beats 28% | 313 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.88% | 0.45% | 0.69% | 1.05% | Beats 35% | 285 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.47% | 9.81% | 10.84% | 12.63% | Beats 19% | 352 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.47% | 9.81% | 10.84% | 12.63% | Beats 19% | 352 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.17% | 78.33% | 88.38% | 95.61% | 74th pctl | 111 / 435 | |
| Loans / Assets | 83.91% | 67.69% | 74.58% | 80.80% | 88th pctl | 52 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||