Federal credit union · MIAMI, Florida · NCUA charter #9287
Miami
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $46.0M
- Total assets
- 2,632
- Members
- 8.7%
- Net-worth ratio
Miami - Share Insurance Coverage
Charter #9287'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.
Miami - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)89
- Asset quality (delinquency)100
- Earnings (ROA)19
- Member growth77
- Liquidity (loan-to-share)100
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.71% | 30% |
| Delinquency Rate | 0.51% | 25% |
| Return on Assets | -0.18% | 15% |
| Member Growth | 2.13% | 15% |
| Loan-to-Share Ratio | 84.64% | 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 | $46.0M | 2,632 |
| 2024Q4 | $42.4M | 2,577 |
| 2023Q4 | $44.8M | 2,518 |
Credit Union Details
- Charter Number
- 9287
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Florida
- City
- MIAMI
- Data Quarter
- 2025Q4
What This Data Says About Miami
2,632 members and $46.0M in total assets sit behind Miami, a federal credit union in MIAMI, Florida, which posts a health score of 81/100 (Excellent) on the five-factor composite, with $32.7M in outstanding loans as of Q4 2025 and a net worth ratio of 8.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #9287 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 84.64% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.51% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at -0.18% on net income of $-80565 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 2.13%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
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 Miami financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Miami carries a financial health score of 81/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.71% net worth ratio and a 0.51% delinquency rate.
How does Miami compare to other credit unions?
Five weighted metrics from NCUA filings produce Miami's 81/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Miami?
Miami 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 Miami directly for the current list of qualifying groups.
Is my money safe at Miami?
Federal credit unions like Miami 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. Miami's net worth ratio of 8.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Miami offer compared to banks?
Credit unions like Miami 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 Miami 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.