Federal credit union · MIAMI, Florida · NCUA charter #9287
MIAMI
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $46.0M
- Total assets
- 2,632
- Members
- 12.2%
- Net-worth ratio
MIAMI scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.0M; members 2,632; net-worth ratio 12.19%; health rank #2,108 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,108 of 4,374 health · 2025Q4MIAMI · health 84/100 · $46.0M · 2025Q4
- HEALTH 84/100
- NW 12.2%
- DELQ 0.51%
- ROA -0.18%
- ASSETS $46.0M
- MEM 2,632
- RANK #2,108/4,374
- PHOTO Capitol View
- BOOK 9287
Call Report peers
MIAMI in the assets neighbourhood
MIAMI's $46.0M assets sit next to Capitol View ($46.0M) 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.
MIAMI 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
84 Top 50% higher than 50% 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
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.
Where MIAMI diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 84.64% vs peer 59.80% (+24.84 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.67 pp (12.19% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MIAMI: in-state Call Report ranks
- Health composite ranks #64 of 109 among scored Florida credit unions.
- Assets rank #83 of 109 inside Florida ($46.0M reported).
- Membership ranks #86 of 109 among Florida CUs with a reported count (2,632 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.
How MIAMI's 5300 filing moved
MIAMI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.8% from $46.0M (2025Q4) to $43.8M (2026Q1).
- Net-worth ratio shifted +0.67 pp (11.52% → 12.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.9 pts
- Return on Assets 2.9 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 14.6 pts
MIAMI health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.19% | -2.67 pp |
| Delinquency Rate | 0.51% | -0.64 pp |
| Return on Assets | -0.18% | -0.88 pp |
| Member Growth | 2.13% | - |
| Loan-to-Share Ratio | 84.64% | +24.84 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.8M | - |
| 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
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for MIAMI, spread across 3 cities.
| Office | City |
|---|---|
| Main (Main Office) | Miami, FL |
| Ft Lauderdale | Ft Lauderdale, FL |
| Justice | Miami, FL |
| Wilkie | Miami, FL |
| Shared Services for Credit Unions | WEST PALM BEACH, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
MIAMI nationwide neighbourhoods
Cross-state asset and health neighbours for MIAMI - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($46.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- MIAMI ranks #2,108 of 4,374 nationally on financial health and #64 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jackson County 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jackson County 1st
- 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 MIAMI financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, MIAMI carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,108 of 4,374; by total assets it ranks #2,466 of 4,374 nationally (same basis as /rankings/largest); and #83 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.19% 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 84/100 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 12.19% 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.
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.