State credit union · HOLLYWOOD, Florida · NCUA charter #68738
Memorial Employees Financial
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $92.8M
- Total assets
- 8,900
- Members
- 10.9%
- Net-worth ratio
Memorial Employees Financial scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.8M; members 8,900; net-worth ratio 10.95%; health rank #2,619 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,619 of 4,374 health · 2025Q4Memorial Employees Financial · health 81/100 · $92.8M · 2025Q4
- PHOTO 81/100
- BOOK 10.9%
- CHARTER 0.73%
- NCUSIF 0.24%
- CAMELS $92.8M
- HEALTH 8,900
- NW #2,619/4,374
- DELQ Jefferson Credit Union
- ROA 68738
Call Report peers
Memorial Employees Financial in the assets neighbourhood
Memorial Employees Financial's $92.8M assets sit next to Jefferson Credit Union ($92.8M) 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.
Memorial Employees Financial 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
81 39th percentile higher than 39% 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
Memorial Employees Financial - Share Insurance Coverage
Charter #68738'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.
Memorial Employees Financial vs $50M–$100M peers
- Largest favorable gap: Delinquency Rate at 0.73% vs peer 0.96% (-0.23 pp).
- Loan-to-Share Ratio trails the peer set - 52.28% here, 62.60% peer average (-10.32 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Florida standing for Memorial Employees Financial
- Health composite ranks #80 of 109 among scored Florida credit unions.
- Assets rank #74 of 109 inside Florida ($92.8M reported).
- Membership ranks #65 of 109 among Florida CUs with a reported count (8,900 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.
Quarter path for Memorial Employees Financial
Memorial Employees Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $92.8M (2025Q4) to $92.8M (2026Q1).
- Net-worth ratio shifted +0.07 pp (10.88% → 10.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.95%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.7 pts
- Return on Assets 11.1 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 11.5 pts
Call Report ratios for Memorial Employees Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.95% | -2.67 pp |
| Delinquency Rate | 0.73% | -0.23 pp |
| Return on Assets | 0.24% | -0.42 pp |
| Member Growth | -1.82% | - |
| Loan-to-Share Ratio | 52.28% | -10.32 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Memorial Employees Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $92.8M | - |
| 2025Q4 | $92.8M | 8,900 |
| 2024Q4 | $89.0M | 9,065 |
| 2023Q4 | $89.4M | 9,050 |
Credit Union Details
- Charter Number
- 68738
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Florida
- City
- HOLLYWOOD
- Data Quarter
- 2025Q4
Branch Locations (7)
Memorial Employees Financial operates 7 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Memorial Regional Hospital (Main Office) | Hollywood, FL |
| Memorial Regional Hospital South | Hollywood, FL |
| Memorial Regional Hospital | Hollywood, FL |
| Memorial Hospital Miramar | Miramar, FL |
| Memorial Healthcare Support Services | Miramar, FL |
| Memorial Hospital West | Pembroke Pines, FL |
| Memorial Hospital Pembroke | Pembroke Pines, 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.
Other-state peers near Memorial Employees Financial
Cross-state asset and health neighbours for Memorial Employees Financial - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($92.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Memorial Employees Financial ranks #2,619 of 4,374 nationally on financial health and #80 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Broward Healthcare is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Broward Healthcare
- 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 Memorial Employees Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Memorial Employees Financial carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,619 of 4,374; by total assets it ranks #1,885 of 4,374 nationally (same basis as /rankings/largest); and #74 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.95% net worth ratio and a 0.73% delinquency rate.
How does Memorial Employees Financial compare to other credit unions?
PlainCU's health composite puts Memorial Employees Financial at 81/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Memorial Employees Financial?
Membership eligibility for Memorial Employees Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Memorial Employees Financial directly for current membership requirements and application steps.
Is my money safe at Memorial Employees Financial?
Federal credit unions like Memorial Employees Financial 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. Memorial Employees Financial's net worth ratio of 10.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Memorial Employees Financial offer compared to banks?
Credit unions like Memorial Employees Financial 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 Memorial Employees Financial 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.