Miami Postal Service

Miami, FL · 2 · Charter #67330 · www.mpscu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$187.6M
86th percentile
Members
12,949
83th percentile
Total loans
$114.0M
83th percentile
Total shares
$169.0M
89th percentile

Profitability

Return on assets
0.42%
14th percentile
Net interest margin
3.52%
43th percentile
Efficiency ratio
68.71%
30th percentile
Non-interest income ratio
13.09%
30th percentile

Capital & Risk

Net worth ratio
9.10%
12th percentile
Delinquency rate
0.18%
88th percentile
Net charge-off rate
3.32%
0th percentile
Loan-to-share
67.49%
49th percentile

Growth

Member growth YoY
-2.56%
29th percentile
Asset growth YoY
2.61%
39th percentile
Loan growth YoY
-0.86%
37th percentile
Share growth YoY
3.74%
54th percentile

Operations

Members / branch
4,316
75th percentile
Assets / member
$14,486
50th percentile
Field of membership penetration
0.36%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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