BAPTIST HEALTH SOUTH FLORIDA
Charter #14391 · Miami, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.20% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.79% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.84% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BAPTIST HEALTH SOUTH FLORIDA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $135.83M | 24th pct | 30th pct |
| Members | 13,934 | 54th pct | 48th pct |
| Net worth ratio | 11.04% | 44th pct | 54th pct |
| Return on average assets | 0.62% | 43th pct | 41th pct |
| Net interest margin | 5.20% | 98th pct | 95th pct |
| Cost of funds | 1.79% | 81th pct | 82th pct |
| Loan-to-share | 81.85% | 73th pct | 59th pct |
| Delinquency 60+ days | 0.48% | 39th pct | 36th pct |
| Net charge-off ratio | 0.84% | 85th pct | 80th pct |
| Loan growth YoY | 3.49% | 79th pct | 70th pct |
| Share growth YoY | 7.41% | 89th pct | 79th pct |
| Efficiency ratio | 78.20% | 48th pct | 44th pct |
structural peer set hash: b6c47775a69b9a42c2d97213f32646f2… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.