Credit Union Safety Analysis
Is University Credit Union Safe? Miami, Florida
Based on its Q2 2026 NCUA 5300 call report, University Credit Union has a net worth ratio of 10.75%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.24%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, University Credit Union's net worth ratio is 10.75%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.75%
- Delinquency ratio (60+ days) (Q2 2026): 0.24%
- Return on assets (Q2 2026): 0.22%
- Loan-to-share ratio (Q2 2026): 50.31%
University Credit Union (NCUA charter 67348) reported $228.7M in assets and 16,273 members for Q2 2026 from Miami, Florida. It ranks 51 of 106 credit unions in Florida by total assets. Total assets fell 2.9% from $235.5M on June 30, 2025. It has 728 more members than on June 30, 2025 (+4.7%). Its net worth ratio was up 0.49 percentage points from 10.26% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $47.7M of $101.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.48% for Q1 2026; 10.26% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.19% for Q1 2026; 0.47% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.22% for Q1 2026; 0.27% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 49.75% for Q1 2026; 44.96% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $47.7M
- Commercial loans: $33.3M
- Unsecured credit card loans: $7.9M
- Used vehicle loans: $4.5M
- New vehicle loans: $3.9M
- Other unsecured loans and lines of credit: $3.2M
- Other secured non-real estate loans and lines of credit: $1.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $228.7M | 10.75% | 0.24% | 0.22% | 50.31% |
| March 31, 2026 | $233.4M | 10.48% | 0.19% | 0.22% | 49.75% |
| December 31, 2025 | $234.1M | 10.39% | 0.35% | 0.21% | 47.57% |
| September 30, 2025 | $234.9M | 10.34% | 0.55% | 0.23% | 46.08% |
| June 30, 2025 | $235.5M | 10.26% | 0.47% | 0.27% | 44.96% |
| March 31, 2025 | $240.6M | 9.98% | 0.25% | 0.24% | 44.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
University Credit Union profile
Regulator records: NCUA credit union profile (charter 67348) · FFIEC NIC profile (RSSD 19495)
Frequently asked questions
Is University Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, University Credit Union's net worth ratio is 10.75%, above the 7% NCUA threshold for well capitalized.
Is University Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. University Credit Union is a federally insured credit union (NCUA charter 67348): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are University Credit Union's key safety ratios?
For Q2 2026, University Credit Union reports net worth 10.75%, delinquency 0.24%, ROA 0.22%, loan-to-share 50.31%.
What happens to my money if University Credit Union fails?
For Q2 2026, University Credit Union held $202.4M in shares and deposits for 16,273 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.