TellerScore

University Credit Union (NCUA charter #67348) is based in Miami, Florida. Its Q2 2026 call report shows $228.7M in total assets and $202.4M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, University Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 53rd. Its strongest component is funding & liquidity (100/100; 50% loans-to-deposits, 5% uninsured), and its lowest is earnings (29/100; 0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.75%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings29/100
Return on assets (annualized): 0.22%
Funding & liquidity100/100
Loans ÷ shares: 50.3% · 5.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.01%

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 3 points (68 → 71), mostly because the loan quality component improved by 8 points.

TellerScore
676971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202470
Q1 202569
Q2 202568
Q3 202567
Q4 202569
Q1 202671
Q2 202671
Net worth ratio
7.00%8.88%10.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.44%
Q3 20249.76%
Q4 20249.99%
Q1 20259.98%
Q2 202510.26%
Q3 202510.34%
Q4 202510.39%
Q1 202610.48%
Q2 202610.75%
Delinquent loans (60+ days)
0.06%0.30%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.06%
Q3 20240.08%
Q4 20240.22%
Q1 20250.25%
Q2 20250.47%
Q3 20250.55%
Q4 20250.35%
Q1 20260.19%
Q2 20260.24%
Return on assets
0.22%0.29%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.35%
Q3 20240.36%
Q4 20240.37%
Q1 20250.24%
Q2 20250.26%
Q3 20250.25%
Q4 20250.24%
Q1 20260.22%
Q2 20260.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$228.7M10.75%0.24%0.22%50.3%
Q1 202671$233.4M10.48%0.19%0.22%49.7%
Q4 202569$234.1M10.39%0.35%0.24%47.6%
Q3 202567$234.9M10.34%0.55%0.25%46.1%
Q2 202568$235.5M10.26%0.47%0.26%45.0%
Q1 202569$240.6M9.98%0.25%0.24%44.0%
Q4 202470$238.7M9.99%0.22%0.37%45.5%
Q3 202470$243.0M9.76%0.08%0.36%47.2%
Q2 202470$249.1M9.44%0.06%0.35%46.9%

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 ratio10.75%
40th
Problem loans0.24%
86th
Net charge-offs0.39%
47th
Return on assets0.22%
12th
Loans to deposits50.3%
90th
Uninsured deposits5.4%
55th
Loan-loss reserves0.00%
50th
Texas ratio1.0%
89th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Santa Rosa County Federal Credit UnionCredit union Milton, FL78 out of 100, Strong$223.0M13.6%1.18%vs
Community South Credit UnionCredit union Chipley, FL71 out of 100, Strong$244.6M13.1%0.96%vs
Keys Federal Credit UnionCredit union Key West, FL62 out of 100, Moderate$253.2M11.0%0.88%vs
Miami Firefighters Federal Credit UnionCredit union Miami, FL76 out of 100, Strong$189.2M12.5%0.39%vs
Blue Coast Federal Credit UnionCredit union Perry, FL66 out of 100, Moderate$188.5M9.7%0.46%vs
Gold Coast Federal Credit UnionCredit union Palm Springs, FL75 out of 100, Strong$269.8M11.9%0.43%vs

Deposit insurance

Is my money safe at University Credit Union?

Yes. University Credit Union is a federally insured credit union (NCUA charter #67348). 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 5.4% of shares and deposits ($10.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.75%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

University Credit Union lists 4 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
University Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67348
RSSD ID
19495
Primary regulator
State + NCUA
Established
1947
Headquarters
13241 SW 136th St, Miami, FL 33186
Employees
38

Quick answers

University Credit Union: common questions

Is University Credit Union NCUA insured?

Yes. University Credit Union is a federally insured credit union (NCUA charter #67348). 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 University Credit Union's TellerScore?

71 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 University Credit Union have?

4 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
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
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs