TellerScore

Miami Firefighters Federal Credit Union (NCUA charter #872) is based in Miami, Florida. Its Q2 2026 call report shows $189.2M in total assets and $165.1M in member shares and deposits and 1 office.

Miami Firefighters Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 34th. Problem-loan coverage contributes the most (95/100, 2.3%); earnings contributes the least (56/100, 0.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.52%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity72/100
Loans ÷ shares: 83.8% · 18.4% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.28%

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 4 points (80 → 76), mostly because the earnings component weakened by 11 points.

TellerScore
767982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202480
Q4 202478
Q1 202581
Q2 202580
Q3 202576
Q4 202576
Q1 202677
Q2 202676
Net worth ratio
7.00%9.76%12.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.09%
Q3 202411.91%
Q4 202411.49%
Q1 202511.70%
Q2 202512.06%
Q3 202512.14%
Q4 202512.45%
Q1 202612.02%
Q2 202612.52%
Delinquent loans (60+ days)
0.08%0.31%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.08%
Q3 20240.23%
Q4 20240.14%
Q1 20250.09%
Q2 20250.15%
Q3 20250.40%
Q4 20250.54%
Q1 20260.13%
Q2 20260.39%
Return on assets
0.89%1.12%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.32%
Q4 20241.23%
Q1 20251.25%
Q2 20251.18%
Q3 20250.98%
Q4 20251.14%
Q1 20260.91%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$189.2M12.52%0.39%0.89%83.8%
Q1 202677$193.9M12.02%0.13%0.91%80.1%
Q4 202576$183.7M12.45%0.54%1.14%84.4%
Q3 202576$184.1M12.14%0.40%0.98%82.1%
Q2 202580$183.2M12.06%0.15%1.18%81.1%
Q1 202581$184.5M11.70%0.09%1.25%75.9%
Q4 202478$180.2M11.49%0.14%1.23%76.7%
Q3 202480$169.4M11.91%0.23%1.32%81.5%
Q2 202482$162.0M12.09%0.08%1.35%84.4%

1,341 peers · $100 million – $1 billion

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).

Capital ratio12.52%
64th
Problem loans0.39%
75th
Net charge-offs0.21%
69th
Return on assets0.89%
60th
Loans to deposits83.8%
31st
Uninsured deposits18.4%
3rd
Loan-loss reserves0.00%
50th
Texas ratio2.3%
72nd

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Blue Coast Federal Credit UnionCredit union Perry, FL66 out of 100, Moderate$188.5M9.7%0.46%vs
Miami Postal Service Credit UnionCredit union Miami, FL64 out of 100, Moderate$184.3M9.3%0.26%vs
Calhoun Liberty Credit UnionCredit union Blountstown, FL74 out of 100, Strong$179.8M10.7%0.01%vs
Pinellas Federal Credit UnionCredit union Largo, FL73 out of 100, Strong$170.4M13.1%0.92%vs
Priorityone Credit Union of FloridaCredit union Sunrise, FL73 out of 100, Strong$162.2M10.9%0.56%vs
First Choice Credit UnionCredit union West Palm Beach, FL68 out of 100, Moderate$161.3M10.4%0.60%vs

Deposit insurance

Is my money safe at Miami Firefighters Federal Credit Union?

Yes. Miami Firefighters Federal Credit Union is a federally insured credit union (NCUA charter #872). 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 18.4% of shares and deposits ($30.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.52%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Miami Firefighters Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Miami Firefighters Federal Credit Union reported 195 home-loan applications under HMDA (LEI 549300PVS7DLMY766R09): 90 originated ($11,820,000 total), 33 denied, and 72 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Miami Firefighters Federal Credit Union
Type
Federal credit union
NCUA charter #
872
RSSD ID
757975
Primary regulator
NCUA
Established
1935
Headquarters
1111 Nw 7th St, Miami, FL 33136
Employees
23

Quick answers

Miami Firefighters Federal Credit Union: common questions

Is Miami Firefighters Federal Credit Union NCUA insured?

Yes. Miami Firefighters Federal Credit Union is a federally insured credit union (NCUA charter #872). 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 Firefighters Federal Credit Union's TellerScore?

76 out of 100 (Strong), 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 Firefighters Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Miami

InstitutionScoreAssetsCapitalProblem loansCompare
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs
Shaw-Ross Employees Credit UnionCredit union Miami, FL81 out of 100, Strong$6.8M14.9%0.53%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs