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.
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NCUA 5300 Call Report Masthead
#2,108 of 4,374 health · 2025Q4MIAMI · health 84/100 · $46.0M · 2025Q4
Call Report peers
MIAMI in the assets neighbourhood
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MIAMI vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MIAMI sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Florida, Connect Credit Union (#63) ties at 84/100; one place down, KEYS (#65) ties at 84/100.
How MIAMI's 5300 filing moved
MIAMI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.8% from $46.0M (2025Q4) to $43.8M (2026Q1).
- Net-worth ratio shifted +0.67 pp (11.52% → 12.19%).
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
MIAMI gives up 16 points in total. Return on Assets costs the most, 12.1 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is MIAMI financially healthy?
On its 2025Q4 NCUA 5300 filing, MIAMI scores 84/100 (Excellent), with a 12.19% net worth ratio and 0.51% of loans delinquent. It ranks #2,108 of 4,374 nationally on health and #64 of 109 in Florida.
How does MIAMI compare to other credit unions?
MIAMI scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (84.64% vs 59.80%). Its widest shortfall is net worth ratio (12.19% vs 14.86%).
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?
MIAMI is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.