Federal credit union · MIAMI, Florida · NCUA charter #872
Miami Firefighters
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $183.7M
- Total assets
- 6,172
- Members
- 12.0%
- Net-worth ratio
Miami Firefighters scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $183.7M; members 6,172; net-worth ratio 12.02%; health rank #104 of 4,374; healthier than 97th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#104 of 4,374 health · 2025Q4Miami Firefighters · health 98/100 · $183.7M · 2025Q4
Call Report peers
Miami Firefighters in the assets neighbourhood
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Miami Firefighters vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Miami Firefighters sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Miami Firefighters
- Loan-to-Share Ratio leads the peer set - 84.37% here, 72.20% peer average (+12.17 pp).
- Net Worth Ratio trails the peer set - 12.02% here, 12.11% peer average (-0.09 pp).
Miami Firefighters in Florida
- In Florida, health place is #4 of 109 on the same NCUA-ratio sort used nationally.
- Florida assets place: #55 of 109.
- Member book place in Florida: #73 of 109.
- One place up in Florida, Community South (#3) ties at 98/100; one place down, Publix Employees (#5) ties at 98/100.
Miami Firefighters Call Report trajectory
Miami Firefighters: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.5% from $183.7M (2025Q4) to $193.9M (2026Q1).
- Net-worth ratio shifted -0.43 pp (12.45% → 12.02%).
At 12.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Miami Firefighters gives up 2 points in total. Member Growth costs the most, 1.4 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 13.6 pts
- Loan-to-Share Ratio 14.8 pts
Miami Firefighters vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.02% | -0.09 pp |
| Delinquency Rate | 0.54% | -0.35 pp |
| Return on Assets | 1.21% | +0.58 pp |
| Member Growth | 3.84% | - |
| Loan-to-Share Ratio | 84.37% | +12.17 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Miami Firefighters quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $193.9M | - |
| 2025Q4 | $183.7M | 6,172 |
| 2024Q4 | $180.2M | 5,944 |
| 2023Q4 | $159.9M | 5,762 |
Credit Union Details
- Charter Number
- 872
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Florida
- City
- MIAMI
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Miami Firefighters runs one office.
| Office | City |
|---|---|
| Miami Firefighters Federal Credit Union (Main Office) | Miami, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Cross-state Call Report peers for Miami Firefighters
Using this data
- Miami Firefighters ranks #104 of 4,374 nationally on financial health and #4 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Miami Postal Service is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Miami Postal Service
Frequently Asked Questions
Is Miami Firefighters financially healthy?
On its 2025Q4 NCUA 5300 filing, Miami Firefighters scores 98/100 (Excellent), with a 12.02% net worth ratio and 0.54% of loans delinquent. It ranks #104 of 4,374 nationally on health and #4 of 109 in Florida.
How does Miami Firefighters compare to other credit unions?
Miami Firefighters scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.37% vs 72.20%). Its widest shortfall is net worth ratio (12.02% vs 12.11%).
How can I join Miami Firefighters?
Miami Firefighters 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 Firefighters directly for the current list of qualifying groups.
Is my money safe at Miami Firefighters?
Miami Firefighters 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 Firefighters's net worth ratio of 12.02% 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.