State credit union · Miami, Florida · NCUA charter #67330
Miami Postal Service
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $187.6M
- Total assets
- 12,949
- Members
- 8.9%
- Net-worth ratio
Miami Postal Service scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $187.6M; members 12,949; net-worth ratio 8.86%; health rank #3,551 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,551 of 4,374 health · 2025Q4Miami Postal Service · health 71/100 · $187.6M · 2025Q4
Call Report peers
Miami Postal Service in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Miami Postal Service vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Miami Postal Service sits in 70-74 with 317 others.
71 18th percentile higher than 18% 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 Postal Service diverges from peer averages
- Delinquency Rate leads the peer set - 0.18% here, 0.89% peer average (-0.71 pp).
- Loan-to-Share Ratio trails the peer set - 67.49% here, 72.20% peer average (-4.71 pp).
Florida standing for Miami Postal Service
- Florida health ordinal: #101 of 109.
- By total assets, Miami Postal Service is #54 of 109 in Florida.
- Member book place in Florida: #56 of 109.
- One place up in Florida, Emerald Coast (#100) scores 72/100, 1 point higher; one place down, Tampa Postal (#102) scores 69/100, 2 points lower.
Quarter path for Miami Postal Service
Miami Postal Service: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $187.6M (2025Q4) to $192.9M (2026Q1).
- Net-worth ratio shifted -0.24 pp (9.10% → 8.86%).
This credit union's 8.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Miami Postal Service gives up 29 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 14.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.86% | -3.25 pp |
| Delinquency Rate | 0.18% | -0.71 pp |
| Return on Assets | -1.03% | -1.65 pp |
| Member Growth | -2.56% | - |
| Loan-to-Share Ratio | 67.49% | -4.71 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Miami Postal Service
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $192.9M | - |
| 2025Q4 | $187.6M | 12,949 |
| 2024Q4 | $182.8M | 13,289 |
| 2023Q4 | $190.8M | 13,594 |
Credit Union Details
- Charter Number
- 67330
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Miami
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Miami Postal Service, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Miami, FL |
| Miami Gardens (MGB) | Hialeah, FL |
| Pinecrest Branch (PCB) | Pinecrest, 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.
Cross-state Call Report peers for Miami Postal Service
Using this data
- Miami Postal Service ranks #3,551 of 4,374 nationally on financial health and #101 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Miami Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Miami Firefighters
Frequently Asked Questions
Is Miami Postal Service financially healthy?
Miami Postal Service has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,551 of 4,374 nationally on health and #101 of 109 in Florida. Its net worth ratio is 8.86% and its delinquency rate 0.18%.
How does Miami Postal Service compare to other credit unions?
Miami Postal Service scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.18% vs 0.89%). Its widest shortfall is loan-to-share ratio (67.49% vs 72.20%).
How can I join Miami Postal Service?
Membership eligibility for Miami Postal Service depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Miami Postal Service directly for current membership requirements and application steps.
Is my money safe at Miami Postal Service?
Miami Postal Service is a state-chartered 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 Postal Service's net worth ratio of 8.86% 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.