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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |