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
- PHOTO 71/100
- BOOK 8.9%
- CHARTER 0.18%
- NCUSIF -1.03%
- CAMELS $187.6M
- HEALTH 12,949
- NW #3,551/4,374
- DELQ MIL-WAY
- ROA 67330
Call Report peers
Miami Postal Service in the assets neighbourhood
Miami Postal Service's $187.6M assets sit next to MIL-WAY ($187.9M) 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 Postal Service 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
71 18th percentile higher than 18% 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 Postal Service - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67330 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Miami Postal Service
Miami Postal Service: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $187.6M (2025Q4) to $192.9M (2026Q1).
- Net-worth ratio shifted -0.24 pp (9.10% → 8.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Miami Postal Service, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($187.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- 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 Postal Service financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Miami Postal Service carries a financial health score of 71/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,551 of 4,374; by total assets it ranks #1,319 of 4,374 nationally (same basis as /rankings/largest); and #54 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.86% net worth ratio and a 0.18% delinquency rate.
How does Miami Postal Service compare to other credit unions?
On PlainCU's health composite, Miami Postal Service lands at 71/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like Miami Postal Service 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 Postal Service's net worth ratio of 8.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Miami Postal Service offer compared to banks?
Credit unions like Miami Postal Service 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 Postal Service 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.