BlastPoint's Credit Union Scorecard
HIALEAH MUNICIPAL EMPLOYEES
Charter #7534 · FL
HIALEAH MUNICIPAL EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.19% above tier average
- + Deposit Growth Rate: Top 7.7% in tier
- + Loan Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.44% below tier average
- - Efficiency ratio 9.48% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +10.6% year over year ($10.9M in shares and deposits).
- Membership: 1,670 members, +2.2% vs a year ago.
- Delinquency rate 0.04%.
- Return on assets 0.05%.
- Efficiency ratio 98.25% vs a 88.77% peer average.
- Loan-to-share ratio 78.76% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,670
+2.2% YoY-0.1% QoQ
|
-915 |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$14.2M
+8.0% YoY+1.0% QoQ
|
$-16.1M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$8.6M
+11.4% YoY+5.3% QoQ
|
$-6.9M |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$10.9M
+10.6% YoY+1.3% QoQ
|
$-14.9M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
0.1%
-113.2% YoY
|
-1.4% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.8% in tier |
| NIM |
5.1%
+5.6% YoY-0.5% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
Top 10.5% in tier |
| Efficiency Ratio |
98.2%
-7.7% YoY-2.6% QoQ
|
+9.5% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
85% |
| Delinquency Rate |
0.0%
-61.9% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
78.8%
+0.7% YoY+4.0% QoQ
|
+19.9% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$11,632
+8.6% YoY+3.1% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)