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
Call Report peers
UNIVERSITY in the assets neighbourhood
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UNIVERSITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UNIVERSITY sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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 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%).
UNIVERSITY in Florida
- Florida health ordinal: #30 of 109.
- Florida assets place: #51 of 109.
- Member book place in Florida: #50 of 109.
- One place up in Florida, Blue Coast (#29) ties at 93/100; one place down, MCCOY (#31) ties at 93/100.
Quarter path for UNIVERSITY
UNIVERSITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $234.1M (2025Q4) to $233.4M (2026Q1).
- Net-worth ratio shifted +0.09 pp (10.39% → 10.48%).
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
UNIVERSITY gives up 7 points in total. Loan-to-Share Ratio costs the most, 4.7 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is UNIVERSITY financially healthy?
UNIVERSITY has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #667 of 4,374 nationally on health and #30 of 109 in Florida. Its net worth ratio is 10.48% and its delinquency rate 0.35%.
How does UNIVERSITY compare to other credit unions?
UNIVERSITY scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.35% vs 0.89%). Its widest shortfall is loan-to-share ratio (47.57% vs 72.20%).
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?
UNIVERSITY 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. UNIVERSITY's net worth ratio of 10.48% 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.