Miramar, FL · Charter 68476
NCUA · 7 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | -0.26% | 0.51% | 0.44% | 0.49% | 0.56% | 0.43% | 0.61% | +17 bps | |
| Return on Equity | -6.23% | -2.95% | 5.89% | 4.96% | 5.39% | 5.99% | 4.61% | 6.44% | +148 bps | |
| Net Interest Margin | 3.83% | 3.84% | 3.65% | 3.72% | 3.88% | 3.92% | 3.92% | 3.99% | +27 bps | |
| Efficiency Ratio | 79.58% | 77.23% | 80.40% | 80.93% | 80.33% | 78.78% | 77.38% | 76.81% | -413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.32% | 1.79% | 4.68% | 4.47% | 0.82% | 0.02% | -2.38% | -1.48% | -594 bps | |
| Loan Growth (YoY) | -2.28% | -0.34% | 2.00% | 2.60% | 3.12% | 2.74% | 5.61% | 6.68% | +408 bps | |
| Share Growth (YoY) | -0.83% | 1.40% | 4.83% | 4.66% | -0.12% | -0.44% | -3.23% | -2.39% | -706 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.74% | 0.56% | 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 | 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 | 8.78% | 8.86% | 8.68% | 8.78% | 9.15% | 9.34% | 9.34% | 9.47% | +69 bps | |
| Net Worth / Assets | 8.78% | 8.86% | 8.68% | 8.78% | 9.15% | 9.34% | 9.34% | 9.47% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.16% | 89.47% | 84.61% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |