Miami, FL · Charter 9287
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.19% | 0.43% | 0.57% | 0.65% | 0.34% | 0.25% | 0.35% | -22 bps | |
| Return on Equity | -0.50% | -1.56% | 3.60% | 4.95% | 5.63% | 2.93% | 2.07% | 2.91% | -204 bps | |
| Net Interest Margin | 2.73% | 2.89% | 3.08% | 3.01% | 3.01% | 3.09% | 3.41% | 3.37% | +36 bps | |
| Efficiency Ratio | 99.71% | 103.12% | 88.60% | 84.84% | 82.74% | 90.56% | 85.03% | 84.01% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.18% | -5.32% | -6.53% | 1.37% | 6.88% | 8.36% | 0.92% | -1.60% | -297 bps | |
| Loan Growth (YoY) | 5.86% | 4.76% | 6.86% | 10.59% | 9.48% | 8.33% | 4.18% | -0.39% | -1,098 bps | |
| Share Growth (YoY) | -2.38% | -6.24% | -6.30% | 1.40% | 9.61% | 12.84% | 7.59% | 1.67% | +27 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.24% | 0.50% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.10% | 12.15% | 12.00% | 11.52% | 11.60% | 11.52% | 12.19% | 11.92% | +40 bps | |
| Net Worth / Assets | 12.10% | 12.15% | 12.00% | 11.52% | 11.60% | 11.52% | 12.19% | 11.92% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.55% | 88.17% | 86.73% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |