State credit union · MIAMI, Florida · NCUA charter #67338
Electricians' Local 349
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $4.8M
- Total assets
- 608
- Members
- 14.8%
- Net-worth ratio
Electricians' Local 349 scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.8M; members 608; net-worth ratio 14.80%; health rank #2,956 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,956 of 4,374 health · 2025Q4Electricians' Local 349 · health 78/100 · $4.8M · 2025Q4
- RANK 78/100
- PHOTO 14.8%
- BOOK 0.18%
- CHARTER 1.99%
- NCUSIF $4.8M
- CAMELS 608
- HEALTH #2,956/4,374
- NW n/a
- DELQ 67338
Call Report peers
Electricians' Local 349 carries $4.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Electricians' Local 349 vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Electricians' Local 349 - Share Insurance Coverage
Charter #67338's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Electricians' Local 349 diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.63 pp (0.18% vs 1.81%).
- Loan-to-Share Ratio trails the peer set - 26.90% here, 63.60% peer average (-36.70 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Electricians' Local 349 in Florida
- Florida health ordinal: #89 of 109.
- Florida assets place: #108 of 109.
- Membership ranks #105 of 109 among Florida CUs with a reported count (608 members).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Electricians' Local 349 Call Report trajectory
Electricians' Local 349: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -1.6% from $4.9M (2024Q4) to $4.8M (2025Q4).
- Membership moved -7.7% from 659 to 608 over the same window.
- Net-worth ratio shifted -4.31 pp (19.11% → 14.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.0 pts
Electricians' Local 349 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.80% | -4.26 pp |
| Delinquency Rate | 0.18% | -1.63 pp |
| Return on Assets | 1.99% | +1.54 pp |
| Member Growth | -7.74% | - |
| Loan-to-Share Ratio | 26.90% | -36.70 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Electricians' Local 349 quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.8M | 608 |
| 2024Q4 | $4.9M | 659 |
| 2023Q4 | $5.2M | 681 |
Credit Union Details
- Charter Number
- 67338
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Florida
- City
- MIAMI
- Data Quarter
- 2025Q4
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
- LOCAL 606 ELECTRICAL WORKERSORLANDO, FL · $2M–$10M86Health
- CONTAINER MUTUALFernandina Beac, FL · $2M–$10M83Health
- UNITY OF EATONVILLEEatonville, FL · $2M–$10M54Health
- FLORIDA CUSTOMSTampa, FL · $2M–$10M86Health
- SHAW-ROSS EMPLOYEESMiami, FL · $2M–$10M72Health
Compare Electricians' Local 349 vs LOCAL 606 ELECTRICAL WORKERS
Other-state peers near Electricians' Local 349
Two NCUA Call Report peer sets for Electricians' Local 349, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Electricians' Local 349 ranks #2,956 of 4,374 nationally on financial health and #89 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Local 606 Electrical Workers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Local 606 Electrical Workers
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Electricians' Local 349 financially healthy?
Electricians' Local 349 scores 78/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,956 of 4,374; by total assets it ranks #3,909 of 4,374 nationally (same basis as /rankings/largest); and #108 of 109 within Florida. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.80% net worth ratio and a 0.18% delinquency rate.
How does Electricians' Local 349 compare to other credit unions?
Electricians' Local 349 scores 78/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Electricians' Local 349?
Membership eligibility for Electricians' Local 349 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Electricians' Local 349 directly for current membership requirements and application steps.
Is my money safe at Electricians' Local 349?
Federal credit unions like Electricians' Local 349 are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Electricians' Local 349's net worth ratio of 14.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Electricians' Local 349 offer compared to banks?
Credit unions like Electricians' Local 349 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Electricians' Local 349 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.