HIALEAH MUNICIPAL EMPLOYEES
Charter #7534 | FL
<100M
(2596 CUs)
Micro
($0-$500M)
40 <100M in FL
HIALEAH MUNICIPAL EMPLOYEES has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Efficiency ratio 21.60% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,641
+1.0% YoY+0.4% QoQ
|
-984 |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
43rd in tier |
| Assets |
$13.2M
-1.5% YoY+0.4% QoQ
|
$-16.6M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$8.0M
+10.4% YoY+4.3% QoQ
|
$-7.8M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
45th in tier |
| Deposits |
$9.9M
-1.5% YoY+0.6% QoQ
|
$-15.6M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
36th in tier |
| ROA |
-0.2%
-28.3% YoY-46.4% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.2% in tier |
| NIM |
5.0%
+19.2% YoY+3.3% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Top 14.6% in tier |
| Efficiency Ratio |
103.0%
-1.9% YoY-3.2% QoQ
|
+21.6% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Top 9.5% in tier |
| Delinquency Rate |
0.0%
+73.1% YoY-61.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 16.1% in tier |
| Loan To Share |
81.1%
+12.1% YoY+3.7% QoQ
|
+19.9% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Top 21.2% in tier |
| AMR |
$10,903
+2.4% YoY+1.7% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
33rd in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
195
Net Charge-Off Rate
risk
Value:
-0.02%
Peer Avg: 0.57%
#195 of 2596
Top 7.5% in <100M tier
263
Loan Growth Rate
growth
Value:
10.38%
Peer Avg: 59.01%
#263 of 2596
Top 10.1% in <100M tier
306
Net Worth Ratio
risk
Value:
24.52%
Peer Avg: 16.43%
#306 of 2596
Top 11.7% in <100M tier
380
Net Interest Margin (NIM)
profitability
Value:
4.98%
Peer Avg: 3.93%
#380 of 2596
Top 14.6% in <100M tier
418
Total Delinquency Rate (60+ days)
risk
Value:
0.04%
Peer Avg: 1.51%
#418 of 2596
Top 16.1% in <100M tier
547
Loan-to-Share Ratio
balance_sheet
Value:
81.09%
Peer Avg: 61.23%
#547 of 2596
Top 21.0% in <100M tier
610
Member Growth Rate
growth
Value:
1.05%
Peer Avg: 14.92%
#610 of 2596
Top 23.5% in <100M tier
Top Weaknesses (2 metrics)
2351
Efficiency Ratio
profitability
Value:
103.00%
Peer Avg: 81.39%
#2351 of 2596
Bottom 9.5% in <100M tier
2280
Return on Assets (ROA)
profitability
Value:
-0.21%
Peer Avg: 0.68%
#2280 of 2596
Bottom 12.2% in <100M tier