Miami

MIAMI, FL · 1 · Charter #9287 · www.miamifcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$46.0M
97th percentile
Members
2,632
79th percentile
Total loans
$32.7M
99th percentile
Total shares
$33.4M
89th percentile

Profitability

Return on assets
0.01%
16th percentile
Net interest margin
3.09%
21th percentile
Efficiency ratio
66.80%
49th percentile
Non-interest income ratio
15.20%
70th percentile

Capital & Risk

Net worth ratio
11.52%
26th percentile
Delinquency rate
0.51%
57th percentile
Net charge-off rate
0.03%
70th percentile
Loan-to-share
97.76%
92th percentile

Growth

Member growth YoY
2.13%
85th percentile
Asset growth YoY
8.36%
89th percentile
Loan growth YoY
8.33%
87th percentile
Share growth YoY
5.36%
77th percentile

Operations

Members / branch
526
24th percentile
Assets / member
$17,474
93th percentile
Field of membership penetration
26.32%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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