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 | |