MIAMI FIREFIGHTERS
Charter #872 | FL
100M-500M
(1077 CUs)
Micro
($0-$500M)
35 100M-500M in FL
MIAMI FIREFIGHTERS has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 5.6% in tier
- + Emerging Performer: Top 7.1% in tier
- + Organic Growth Engine: Top 10.2% in tier
- + Organic Growth Leader: Top 14.1% in tier
- + Wallet Share Momentum: Top 16.3% in tier
- + ROA 0.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 2.9% in tier
- + Loan-to-Member Ratio (LMR): Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 10.5% in tier
- - Margin Compression: Bottom 14.8% in tier
- - Credit Quality Pressure: Bottom 16.1% in tier
- - Liquidity Overhang: Bottom 33.3% in tier
- - Total Members: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,102
+2.8% YoY+0.5% QoQ
|
-9.5K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Bottom 5.8% in tier |
| Assets |
$184.1M
+8.7% YoY+0.5% QoQ
|
$-47.2M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
45th in tier |
| Loans |
$131.3M
+8.8% YoY+1.1% QoQ
|
$-16.5M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
53rd in tier |
| Deposits |
$159.9M
+7.9% YoY-0.1% QoQ
|
$-40.3M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
46th in tier |
| ROA |
1.0%
-27.7% YoY-16.7% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
64th in tier |
| NIM |
3.0%
-2.3% YoY+0.2% QoQ
|
-0.6% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 19.2% in tier |
| Efficiency Ratio |
66.2%
+7.6% YoY+2.1% QoQ
|
-11.1% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Bottom 16.6% in tier |
| Delinquency Rate |
0.4%
+72.8% YoY+158.6% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
27th in tier |
| Loan To Share |
82.1%
+0.8% YoY+1.2% QoQ
|
+9.4% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
68th in tier |
| AMR |
$47,732
+5.3% YoY-0.1% QoQ
|
+$23K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 3.0% in tier |
| CD Concentration |
34.7%
+27.7% YoY+3.1% QoQ
|
+10.3% |
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 (5)
Relationship Depth Leader
growth
#155 of 1006 • Top 5.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
5.29%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$4.2K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Emerging Performer
growth
#134 of 627 • Top 7.1% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.98%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.83%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#187 of 603 • Top 10.2% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.83%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.98%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#187 of 430 • Top 14.1% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.83%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#450 of 1006 • Top 16.3% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
5.29%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Concerns (4)
Growth-at-Risk
risk
#158 of 446 • Bottom 10.5% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
8.75%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.17% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Margin Compression
decline
#63 of 136 • Bottom 14.8% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
0.98%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.37% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$184.09M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#399 of 736 • Bottom 16.1% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.17% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#516 of 552 • Bottom 33.3% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.14%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
82.10%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
New qualifier
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
32
Average Member Relationship (AMR)
engagement
Value:
$47,732
Peer Avg: $24,363
#32 of 1077
Top 2.9% in 100M-500M tier
32
Loan-to-Member Ratio (LMR)
engagement
Value:
$21,521
Peer Avg: $10,245
#32 of 1077
Top 2.9% in 100M-500M tier
180
Efficiency Ratio
profitability
Value:
66.17%
Peer Avg: 77.28%
#180 of 1077
Top 16.6% in 100M-500M tier
184
Asset Growth Rate
growth
Value:
8.69%
Peer Avg: 4.70%
#184 of 1077
Top 17.0% in 100M-500M tier
214
Loan Growth Rate
growth
Value:
8.75%
Peer Avg: 3.45%
#214 of 1077
Top 19.8% in 100M-500M tier
221
Deposit Growth Rate
growth
Value:
7.89%
Peer Avg: 4.69%
#221 of 1077
Top 20.4% in 100M-500M tier
224
Net Charge-Off Rate
risk
Value:
0.14%
Peer Avg: 0.47%
#224 of 1077
Top 20.7% in 100M-500M tier
228
Member Growth Rate
growth
Value:
2.83%
Peer Avg: 0.72%
#228 of 1077
Top 21.1% in 100M-500M tier
Top Weaknesses (4 metrics)
1014
Total Members
engagement
Value:
6,102
Peer Avg: 15,628
#1014 of 1077
Bottom 5.9% in 100M-500M tier
913
Share Certificate Concentration (%)
balance_sheet
Value:
34.75%
Peer Avg: 23.61%
#913 of 1077
Bottom 15.3% in 100M-500M tier
886
Fee Income Per Member
profitability
Value:
$105.49
Peer Avg: $174.31
#886 of 1077
Bottom 17.8% in 100M-500M tier
870
Net Interest Margin (NIM)
profitability
Value:
2.98%
Peer Avg: 3.58%
#870 of 1077
Bottom 19.3% in 100M-500M tier