Miami Postal Service Credit Union
Total assets
$192.9M
▲ +0.2% YoY
Shares & deposits
$174.0M
▲ +0.8% YoY
Loans
$114.9M
▼ -0.5% YoY
Members
12,825
▼ -3.2% YoY
ROA (annualized)
0.07%
peers 0.69%
ROE (annualized)
0.83%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.9% | -3.7 pts |
| Share growth (YoY) | +0.8% | +3.3% | -2.5 pts |
| Loan growth (YoY) | -0.5% | +2.9% | -3.5 pts |
| ROA | 0.07% | 0.69% | -0.6 pts |
| ROE | 0.8% | 5.9% | -5.1 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
Profile
- Established
- 1991
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 2190 Nw 72 Avenue, Miami, FL, 33122
- NCUA charter #
- 67330
- RSSD ID
- 845395
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $192.9M | $174.0M | $114.9M | $17.1M | $36K | 0.07% | 3.42% | 0.18% | 12,825 |
| Q4 2025 | $187.6M | $169.0M | $114.0M | $17.1M | $-2.7M | -1.43% | 3.52% | 0.18% | 12,949 |
| Q3 2025 | $191.3M | $171.6M | $116.6M | $17.9M | $-1.9M | -1.29% | 3.43% | 0.56% | 13,063 |
| Q2 2025 | $193.5M | $173.7M | $115.7M | $18.9M | $-182K | -0.19% | 3.32% | 0.81% | 13,223 |
| Q1 2025 | $192.6M | $172.7M | $115.5M | $19.3M | $-698K | -1.45% | 3.29% | 0.61% | 13,253 |
| Q4 2024 | $182.8M | $162.9M | $115.0M | $20.0M | $-1.9M | -1.05% | 3.66% | 0.86% | 13,289 |
| Q3 2024 | $193.7M | $170.7M | $114.9M | $22.1M | $264K | 0.18% | 3.46% | 0.67% | 13,372 |
| Q2 2024 | $199.1M | $176.8M | $117.3M | $22.1M | $211K | 0.21% | 3.27% | 0.67% | 13,474 |
Loan mix (Q1 2026): real estate $35.0M · commercial $0 · consumer $67.5M · securities $48.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.69% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.62% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 78.7% | 60th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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