Miami Firefighters Federal Credit Union Miami, Florida
Miami Firefighters Federal Credit Union is a federal credit union headquartered in Miami, FL, established in 1935 (NCUA charter 872), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,331 members and total assets of $189.2M (up 3.3% from Q2 2025), the 53rd largest of 106 credit unions headquartered in Florida. Its net worth ratio was 12.52% at Q2 2026, in the well capitalized band.
Also written as Miami Firefighters FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 872
- Headquarters
- Miami, FL
- Established
- 1935
- Total assets, Q2 2026
- $189.2M
- Assets vs Q2 2025
- +3.3%
- Members, Q2 2026
- 6,331
- Net worth ratio, Q2 2026
- 12.52%
- Latest call report
- Q2 2026, NCUA 5300 · Miami Firefighters Federal Credit Union call report
- Asset rank in state
- 53rd of 106 in Florida
- Routing number
- 266080372
- Branches
- 1
It has 260 more members than on June 30, 2025 (+4.3%). Its net worth ratio was up 0.46 percentage points from 12.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $73.7M of $138.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.39% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.52% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Florida
Frequently asked about Miami Firefighters Federal Credit Union
How big is Miami Firefighters Federal Credit Union?
At Q2 2026 it reported total assets of $189.2M and 6,331 members.
Where is Miami Firefighters Federal Credit Union headquartered?
It is headquartered in Miami, FL, United States.
When was Miami Firefighters Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Miami Firefighters Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 872): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Miami Firefighters Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Miami Firefighters Federal Credit Union well capitalized?
Its net worth ratio was 12.52% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Miami Firefighters Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.39% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Miami Firefighters Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 83.82% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Miami, FL 33136
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 872
- RSSD ID
- 757975
- Members
- 6,331
- Potential members
- 8,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.52% | 11.43% | 63rd above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.85% | 0.81% | 52nd above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.76% | 7.02% | 48th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.07% | 3.70% | 16th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 73.80% | 76.55% | 59th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.68% | 1.24% | 20th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.39% | 0.68% | 75th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.75% | 4.92% | 39th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 83.82% | 75.66% | 69th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$189.2M total assets against $183.2M; $165.1M total shares and deposits against $160.1M; $138.4M total loans against $129.9M.
$23.7M net worth against $22.1M.
12.52% net worth ratio against 12.06%.
83.82% loan-to-share ratio against 81.12%.
0.39% delinquency ratio against 0.15%.
0.85% return on assets against 1.10%; 6.76% return on equity against 9.11%.
3.07% net interest margin against 3.00%.
6,331 members against 6,071.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.52% | 0.85% | 0.39% | 83.82% |
| March 31, 2026 | 12.02% | 0.91% | 0.13% | 80.06% |
| December 31, 2025 | 12.45% | 1.61% | 0.54% | 84.37% |
| September 30, 2025 | 12.14% | 0.58% | 0.40% | 82.10% |
| June 30, 2025 | 12.06% | 1.10% | 0.15% | 81.12% |
| March 31, 2025 | 11.70% | 1.25% | 0.09% | 75.90% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.