Federal credit union · Hialeah, Florida · NCUA charter #7534
Hialeah Municipal Employees
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $13.4M
- Total assets
- 1,657
- Members
- 23.1%
- Net-worth ratio
Hialeah Municipal Employees scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.4M; members 1,657; net-worth ratio 23.10%; health rank #2,202 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,202 of 4,374 health · 2025Q4Hialeah Municipal Employees · health 83/100 · $13.4M · 2025Q4
- BOOK 83/100
- CHARTER 23.1%
- NCUSIF 0.13%
- CAMELS -0.40%
- HEALTH $13.4M
- NW 1,657
- DELQ #2,202/4,374
- ROA Derry Area
- ASSETS 7534
Call Report peers
Hialeah Municipal Employees in the assets neighbourhood
Hialeah Municipal Employees's $13.4M assets sit next to Derry Area ($13.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hialeah Municipal Employees 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
83 46th percentile higher than 46% 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
Hialeah Municipal Employees - Share Insurance Coverage
Charter #7534'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 Hialeah Municipal Employees diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 81.37% here, 59.80% peer average (+21.57 pp).
- Return on Assets trails the peer set - -0.40% here, 0.70% peer average (-1.11 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Florida standing for Hialeah Municipal Employees
- Florida health ordinal: #69 of 109.
- Florida assets place: #102 of 109.
- Member book place in Florida: #97 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Hialeah Municipal Employees
Hialeah Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.0% from $13.4M (2025Q4) to $14.1M (2026Q1).
- Net-worth ratio shifted -1.11 pp (24.21% → 23.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 23.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.9 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.10% | +8.24 pp |
| Delinquency Rate | 0.13% | -1.02 pp |
| Return on Assets | -0.40% | -1.11 pp |
| Member Growth | 2.41% | - |
| Loan-to-Share Ratio | 81.37% | +21.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Hialeah Municipal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.1M | - |
| 2025Q4 | $13.4M | 1,657 |
| 2024Q4 | $13.3M | 1,618 |
| 2023Q4 | $13.0M | 1,610 |
Credit Union Details
- Charter Number
- 7534
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Florida
- City
- Hialeah
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Hialeah Municipal Employees.
| Office | City |
|---|---|
| Hialeah Mun Emp FCU (Main Office) | Hialeah, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
- JEFFERSON COUNTY TEACHERSMonticello, FL · $10M–$50M73Health
- SOUTHERNMOSTKey West, FL · $10M–$50M92Health
- SOUTH ATLANTICBoca Raton, FL · $10M–$50M78Health
- FINANCIAL EDUCATORSDaytona Beach, FL · $10M–$50M95Health
- METRO NORTHJACKSONVILLE, FL · $10M–$50M83Health
Compare Hialeah Municipal Employees vs JEFFERSON COUNTY TEACHERS
Other-state peers near Hialeah Municipal Employees
Cross-state asset and health neighbours for Hialeah Municipal Employees - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Hialeah Municipal Employees ranks #2,202 of 4,374 nationally on financial health and #69 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jefferson County Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jefferson County Teachers
- 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 Hialeah Municipal Employees financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Hialeah Municipal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,202 of 4,374; by total assets it ranks #3,390 of 4,374 nationally (same basis as /rankings/largest); and #102 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 23.10% net worth ratio and 0.13% delinquency rate are the key drivers.
How does Hialeah Municipal Employees compare to other credit unions?
Hialeah Municipal Employees scores 83/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Hialeah Municipal Employees?
Hialeah Municipal Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Hialeah Municipal Employees directly for the current list of qualifying groups.
Is my money safe at Hialeah Municipal Employees?
Federal credit unions like Hialeah Municipal Employees 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. Hialeah Municipal Employees's net worth ratio of 23.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hialeah Municipal Employees offer compared to banks?
Credit unions like Hialeah Municipal Employees 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 Hialeah Municipal Employees 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.