Headquartered in Miami, Florida, Miami Federal Credit Union is a federal credit union with $45.2M in total assets and $38.2M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1954.
Based on its Q2 2026 filing, Miami Federal Credit Union scores 63/100, which we describe as moderate. That is higher than only 26% of 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 79th. Its strongest component is problem-loan coverage (85/100; 7.4%), and its lowest is earnings (34/100; 0.35%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (69 → 63), mostly because the loan quality component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 67 |
| Q4 2024 | 68 |
| Q1 2025 | 70 |
| Q2 2025 | 69 |
| Q3 2025 | 72 |
| Q4 2025 | 68 |
| Q1 2026 | 68 |
| Q2 2026 | 63 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.66% |
| Q3 2024 | 12.09% |
| Q4 2024 | 12.15% |
| Q1 2025 | 12.00% |
| Q2 2025 | 11.51% |
| Q3 2025 | 11.59% |
| Q4 2025 | 11.52% |
| Q1 2026 | 12.19% |
| Q2 2026 | 11.92% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.67% |
| Q2 2026 | 1.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | -0.06% |
| Q4 2024 | -0.19% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.57% |
| Q3 2025 | 0.65% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $45.2M | 11.92% | 1.08% | 0.35% | 85.2% |
| Q1 2026 | 68 | $43.8M | 12.19% | 0.67% | 0.25% | 84.0% |
| Q4 2025 | 68 | $46.0M | 11.52% | 0.51% | 0.34% | 84.6% |
| Q3 2025 | 72 | $46.5M | 11.59% | 0.37% | 0.65% | 85.5% |
| Q2 2025 | 69 | $45.9M | 11.51% | 0.49% | 0.57% | 86.9% |
| Q1 2025 | 70 | $43.4M | 12.00% | 0.50% | 0.43% | 86.7% |
| Q4 2024 | 68 | $42.4M | 12.15% | 0.24% | -0.19% | 88.2% |
| Q3 2024 | 67 | $43.5M | 12.09% | 0.48% | -0.06% | 85.6% |
| Q2 2024 | 68 | $45.3M | 11.66% | 0.35% | 0.02% | 79.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| City-County Employees Credit UnionCredit union Clearwater, FL | 62 out of 100, Moderate | $42.5M | 8.3% | 0.59% | vs |
| Jackson County 1st Credit UnionCredit union Marianna, FL | 81 out of 100, Strong | $48.9M | 18.1% | 0.76% | vs |
| Ocala Community Credit UnionCredit union Ocala, FL | 51 out of 100, Below average | $49.3M | 10.1% | 2.57% | vs |
| Jax Fire Credit UnionCredit union Jacksonville, FL | 78 out of 100, Strong | $40.4M | 13.3% | 0.57% | vs |
| Transport Credit UnionCredit union Tampa, FL | 85 out of 100, Very strong | $35.8M | 18.6% | 0.52% | vs |
| Everglades Federal Credit UnionCredit union Clewiston, FL | 71 out of 100, Strong | $55.4M | 10.4% | 0.28% | vs |
Deposit insurance
Is my money safe at Miami Federal Credit Union?
Yes. Miami Federal Credit Union is a federally insured credit union (NCUA charter #9287). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 7.0% of shares and deposits ($2.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.92%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Miami Federal Credit Union lists 4 offices in 2 cities. Most locations:
- Miami, FL (3)
- Ft Lauderdale, FL (1)
Identity & history
Profile
- Legal name
- Miami Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9287
- RSSD ID
- 408987
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- 51 Sw 1st Avenue, Suite 604, Miami, FL 33130
- Employees
- 12
Quick answers
Miami Federal Credit Union: common questions
Is Miami Federal Credit Union NCUA insured?
Yes. Miami Federal Credit Union is a federally insured credit union (NCUA charter #9287). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Miami Federal Credit Union's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Miami Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Miami
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | vs |
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL | 81 out of 100, Strong | $14.2M | 22.9% | 0.04% | vs |
| Shaw-Ross Employees Credit UnionCredit union Miami, FL | 81 out of 100, Strong | $6.8M | 14.9% | 0.53% | vs |
| Guardians Credit UnionCredit union West Palm Beach, FL | 80 out of 100, Strong | $309.5M | 14.7% | 0.42% | vs |