State credit union · MIAMI, Florida · NCUA charter #67348
UNIVERSITY
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $234.1M
- Total assets
- 16,030
- Members
- 10.5%
- Net-worth ratio
UNIVERSITY scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $234.1M; members 16,030; net-worth ratio 10.48%; health rank #667 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#667 of 4,374 health · 2025Q4UNIVERSITY · health 93/100 · $234.1M · 2025Q4
- BOOK 93/100
- CHARTER 10.5%
- NCUSIF 0.35%
- CAMELS 0.37%
- HEALTH $234.1M
- NW 16,030
- DELQ #667/4,374
- ROA Cedar Falls Community
- ASSETS 67348
Call Report peers
UNIVERSITY in the assets neighbourhood
UNIVERSITY's $234.1M assets sit next to Cedar Falls Community ($233.9M) 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.
UNIVERSITY 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
93 Top 16% higher than 84% 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
UNIVERSITY - Share Insurance Coverage
Charter #67348's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for UNIVERSITY
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.55 pp (0.35% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -24.63 pp (47.57% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
UNIVERSITY in Florida
- Florida health ordinal: #30 of 109.
- Florida assets place: #51 of 109.
- Member book place in Florida: #50 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 UNIVERSITY
UNIVERSITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $234.1M (2025Q4) to $233.4M (2026Q1).
- Net-worth ratio shifted +0.09 pp (10.39% → 10.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.1 pts
- Member Growth 14.5 pts
- Loan-to-Share Ratio 10.4 pts
UNIVERSITY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.48% | -1.63 pp |
| Delinquency Rate | 0.35% | -0.55 pp |
| Return on Assets | 0.37% | -0.25 pp |
| Member Growth | 4.56% | - |
| Loan-to-Share Ratio | 47.57% | -24.63 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $233.4M | - |
| 2025Q4 | $234.1M | 16,030 |
| 2024Q4 | $238.7M | 15,331 |
| 2023Q4 | $255.5M | 14,976 |
Credit Union Details
- Charter Number
- 67348
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- MIAMI
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, UNIVERSITY runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| West Kendall Center (Main Office) | MIAMI, FL |
| RED ROAD BRANCH | MIAMI, FL |
| MEDICAL CENTER | Miami, FL |
| FIU University Park Branch | Miami, 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 UNIVERSITY
UNIVERSITY's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($234.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- UNIVERSITY ranks #667 of 4,374 nationally on financial health and #30 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community South is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community South
- 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 UNIVERSITY financially healthy?
UNIVERSITY scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #667 of 4,374; by total assets it ranks #1,184 of 4,374 nationally (same basis as /rankings/largest); and #51 of 109 within Florida. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.48% net worth ratio and a 0.35% delinquency rate.
How does UNIVERSITY compare to other credit unions?
On PlainCU's health composite, UNIVERSITY lands at 93/100, 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 UNIVERSITY?
Membership eligibility for UNIVERSITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact UNIVERSITY directly for current membership requirements and application steps.
Is my money safe at UNIVERSITY?
Federal credit unions like UNIVERSITY 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. UNIVERSITY's net worth ratio of 10.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does UNIVERSITY offer compared to banks?
Credit unions like UNIVERSITY 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 UNIVERSITY 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.