Miami, FL · Charter 9287
NCUA · 4 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 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
65
Asset Quality
10
Profitability
40
Liquidity
34
Efficiency
45
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.
Miami, FL · Charter 9287
NCUA · 4 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 | 0.57% | 0.65% | 0.34% | 0.25% | 0.35% | -22 bps | |
| Return on Equity | 4.95% | 5.63% | 2.93% | 2.07% | 2.91% | -204 bps | |
| Net Interest Margin | 3.01% | 3.01% | 3.09% | 3.41% | 3.37% | +36 bps | |
| Efficiency Ratio | 84.84% | 82.74% | 90.56% | 85.03% | 84.01% | -83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.37% | 6.88% | 8.36% | 0.92% | -1.60% | -297 bps | |
| Loan Growth (YoY) | 10.59% | 9.48% | 8.33% | 4.18% | -0.39% | -1,098 bps | |
| Share Growth (YoY) | 1.40% | 9.61% | 12.84% | 7.59% | 1.67% | +27 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.37% | 0.51% | 0.67% | 1.08% | +59 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 | 11.52% | 11.60% | 11.52% | 12.19% | 11.92% | +40 bps | |
| Net Worth / Assets | 11.52% | 11.60% | 11.52% | 12.19% | 11.92% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.92% | 85.45% | 84.64% | 83.98% | 85.16% | -176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Miami, FL · Charter 9287 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 4 branches
Q2 2026
Return on Assets
0.35%
Rank 11 of 20
Net Interest Margin
3.37%
Rank 13 of 20
Efficiency Ratio
84.01%
Rank 12 of 20
Equity / Assets
11.92%
Rank 7 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.22% | 0.41% | 0.84% | Beats 45% | 11 / 20 | |
| Return on Equity | 2.90% | 1.78% | 3.57% | 6.45% | Beats 40% | 12 / 20 | |
| Net Interest Margin | 3.37% | 3.17% | 3.67% | 4.80% | Beats 35% | 13 / 20 | |
| Efficiency Ratio | 84.01% | 77.46% | 82.82% | 89.37% | Beats 45% | 12 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.08% | 0.26% | 0.56% | 0.65% | Beats 10% | 19 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.92% | 10.54% | 11.05% | 12.98% | Beats 65% | 7 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.92% | 10.54% | 11.05% | 12.98% | Beats 65% | 7 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.16% | 54.64% | 78.75% | 84.99% | 80th pctl | 4 / 20 | |
| Loans / Assets | 71.94% | 48.81% | 63.38% | 73.06% | 70th pctl | 6 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||