Hialeah, FL · Charter 7534
NCUA · 1 branch
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 under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
100
Profitability
37
Liquidity
75
Efficiency
5
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.
Hialeah, FL · Charter 7534
NCUA · 1 branch
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 | -0.39% | -0.21% | -0.13% | -0.05% | 0.05% | +44 bps | |
| Return on Equity | -1.58% | -0.85% | -0.52% | -0.21% | 0.22% | +180 bps | |
| Net Interest Margin | 4.82% | 4.97% | 5.01% | 5.11% | 5.06% | +24 bps | |
| Efficiency Ratio | 106.43% | 103.00% | 101.56% | 100.92% | 98.25% | -819 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.38% | -1.48% | 1.17% | 6.95% | 8.02% | +1,140 bps | |
| Loan Growth (YoY) | 10.36% | 10.38% | 10.23% | 8.74% | 11.37% | +101 bps | |
| Share Growth (YoY) | -4.30% | -1.52% | 1.64% | 9.30% | 10.61% | +1,491 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.04% | 0.13% | 0.03% | 0.04% | -6 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 | 24.59% | 24.52% | 24.21% | 23.10% | 22.90% | -169 bps | |
| Net Worth / Assets | 24.59% | 24.52% | 24.21% | 23.10% | 22.90% | -169 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.21% | 81.09% | 81.37% | 75.75% | 78.76% | +54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hialeah, FL · Charter 7534 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
0.06%
Rank 18 of 20
Net Interest Margin
5.06%
Rank 2 of 20
Efficiency Ratio
98.18%
Rank 20 of 20
Equity / Assets
22.90%
Rank 1 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.22% | 0.41% | 0.84% | Beats 10% | 18 / 20 | |
| Return on Equity | 0.25% | 1.78% | 3.57% | 6.45% | Beats 10% | 18 / 20 | |
| Net Interest Margin | 5.06% | 3.17% | 3.67% | 4.80% | Beats 90% | 2 / 20 | |
| Efficiency Ratio | 98.18% | 77.46% | 82.82% | 89.37% | Beats 5% | 20 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.26% | 0.56% | 0.65% | Beats 100% | 1 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.90% | 10.54% | 11.05% | 12.98% | Beats 95% | 1 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.90% | 10.54% | 11.05% | 12.98% | Beats 95% | 1 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.75% | 54.64% | 78.75% | 84.99% | 50th pctl | 10 / 20 | |
| Loans / Assets | 60.16% | 48.81% | 63.38% | 73.06% | 40th pctl | 12 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||