Federal credit union · Hialeah, Florida · NCUA charter #7534
Hialeah Municipal Employees
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $13.4M
- Total assets
- 1,657
- Members
- 22.9%
- Net-worth ratio
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.
Hialeah Municipal Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)6
- Member growth79
- Liquidity (loan-to-share)100
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 22.92% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 22.92% | 30% |
| Delinquency Rate | 0.13% | 25% |
| Return on Assets | -0.40% | 15% |
| Member Growth | 2.41% | 15% |
| Loan-to-Share Ratio | 81.37% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Hialeah Municipal Employees
Hialeah Municipal Employees is a federal credit union headquartered in Hialeah, Florida, serving 1,657 members with $13.4M in total assets and $8.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 83/100 (Excellent), anchored by a net worth ratio of 22.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #7534 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.13% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 81.37% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.40% on net income of $-53710 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.41%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 22.92% 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 22.92% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.