PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Miami

Miami, FL · Charter 9287

NCUA · 4 branches

Q2 2026

$45.2MAssets
$32.5MLoans
$38.2MShares
$5.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.35%, down 22 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 1.08% of loans (+59 bps YoY).
  • Capital: net worth / assets of 11.92%, up 40 bps from a year ago.
  • Funding: loans stand at 85.16% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+36 bps YoY

Efficiency Ratio (YTD, annualized)

84.01%-83 bps YoY

Net Worth / Assets

11.92%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.65%0.34%0.25%0.35%-22 bps
Return on Equity4.95%5.63%2.93%2.07%2.91%-204 bps
Net Interest Margin3.01%3.01%3.09%3.41%3.37%+36 bps
Efficiency Ratio84.84%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 / Loans0.49%0.37%0.51%0.67%1.08%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.52%11.60%11.52%12.19%11.92%+40 bps
Net Worth / Assets11.52%11.60%11.52%12.19%11.92%+40 bps
Liquidity & Funding
Loans / Shares86.92%85.45%84.64%83.98%85.16%-176 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps