TellerScore

Miami Postal Service Credit Union is a federally insured state-chartered credit union headquartered in Miami, Florida, in business for about 35 years. At the end of Q2 2026 it reported $184.3M in total assets and $164.7M in member shares and deposits, with 3 offices.

Miami Postal Service Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 77th. Problem-loan coverage contributes the most (94/100, 2.8%); earnings contributes the least (27/100, 0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.25%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.26%
Earnings27/100
Return on assets (annualized): 0.16%
Funding & liquidity89/100
Loans ÷ shares: 70.9% · 9.3% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.81%

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 rose 6 points (58 → 64), mostly because the loan quality component improved by 18 points.

TellerScore
566165Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202465
Q4 202457
Q1 202558
Q2 202558
Q3 202556
Q4 202559
Q1 202664
Q2 202664
Net worth ratio
7.00%9.21%11.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.07%
Q3 202411.41%
Q4 202410.90%
Q1 20259.98%
Q2 20259.75%
Q3 20259.36%
Q4 20259.10%
Q1 20268.86%
Q2 20269.25%
Delinquent loans (60+ days)
0.18%0.52%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.67%
Q3 20240.67%
Q4 20240.86%
Q1 20250.61%
Q2 20250.81%
Q3 20250.56%
Q4 20250.18%
Q1 20260.18%
Q2 20260.26%
Return on assets
-1.45%-0.62%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.21%
Q3 20240.18%
Q4 2024-1.05%
Q1 2025-1.45%
Q2 2025-0.19%
Q3 2025-1.29%
Q4 2025-1.43%
Q1 20260.07%
Q2 20260.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$184.3M9.25%0.26%0.16%70.9%
Q1 202664$192.9M8.86%0.18%0.07%66.0%
Q4 202559$187.6M9.10%0.18%-1.43%67.5%
Q3 202556$191.3M9.36%0.56%-1.29%67.9%
Q2 202558$193.5M9.75%0.81%-0.19%66.6%
Q1 202558$192.6M9.98%0.61%-1.45%66.9%
Q4 202457$182.8M10.90%0.86%-1.05%70.6%
Q3 202465$193.7M11.41%0.67%0.18%67.3%
Q2 202465$199.1M11.07%0.67%0.21%66.3%

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 ratio9.25%
16th
Problem loans0.26%
85th
Net charge-offs1.05%
9th
Return on assets0.16%
10th
Loans to deposits70.9%
59th
Uninsured deposits9.3%
20th
Loan-loss reserves0.00%
50th
Texas ratio2.8%
65th

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
Calhoun Liberty Credit UnionCredit union Blountstown, FL74 out of 100, Strong$179.8M10.7%0.01%vs
Miami Firefighters Federal Credit UnionCredit union Miami, FL76 out of 100, Strong$189.2M12.5%0.39%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 Postal Service Credit Union?

Yes. Miami Postal Service Credit Union is a federally insured credit union (NCUA charter #67330). 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 9.3% of shares and deposits ($15.3M) 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 9.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Miami Postal Service Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Miami Postal Service Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67330
RSSD ID
845395
Primary regulator
State + NCUA
Established
1991
Headquarters
2190 NW 72 Avenue, Miami, FL 33122
Employees
45

Quick answers

Miami Postal Service Credit Union: common questions

Is Miami Postal Service Credit Union NCUA insured?

Yes. Miami Postal Service Credit Union is a federally insured credit union (NCUA charter #67330). 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 Postal Service Credit Union's TellerScore?

64 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 Postal Service Credit Union have?

3 offices 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