Federal credit union · MIAMI, Florida · NCUA charter #872
Miami Firefighters
Health score 98/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $183.7M
- Total assets
- 6,172
- Members
- 11.0%
- Net-worth ratio
Miami Firefighters - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #872: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Miami Firefighters - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)98
- Earnings (ROA)100
- Member growth91
- Liquidity (loan-to-share)100
Weighted composite: 98/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.99% | 30% |
| Delinquency Rate | 0.54% | 25% |
| Return on Assets | 1.21% | 15% |
| Member Growth | 3.84% | 15% |
| Loan-to-Share Ratio | 84.37% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Miami Firefighters
Headquartered in MIAMI, Florida, Miami Firefighters is a federal credit union with 6,172 members, $183.7M in total assets, and $134.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 98/100 (Excellent), driven in part by a net worth ratio of 10.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #872 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 84.37% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.54% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 1.21% on net income of $2.2M 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 3.84%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
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 Firefighters financially healthy?
Miami Firefighters has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.99% and delinquency rate of 0.54%.
How does Miami Firefighters compare to other credit unions?
PlainCU's health composite puts Miami Firefighters at 98/100, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like Miami Firefighters 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 Firefighters's net worth ratio of 10.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Miami Firefighters offer compared to banks?
Credit unions like Miami Firefighters 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 Firefighters 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.