MIAMI POSTAL SERVICE
Charter #67330 · Miami, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.86% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 0.07% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.05% sits at the 87th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MIAMI POSTAL SERVICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $192.92M | 49th pct | 56th pct |
| Members | 12,825 | 48th pct | 49th pct |
| Net worth ratio | 8.86% | 12th pct | 13th pct |
| Return on average assets | 0.07% | 11th pct | 11th pct |
| Net interest margin | 3.47% | 38th pct | 33th pct |
| Cost of funds | 1.23% | 51th pct | 64th pct |
| Loan-to-share | 66.01% | 38th pct | 38th pct |
| Delinquency 60+ days | 0.18% | 12th pct | 11th pct |
| Net charge-off ratio | 1.05% | 89th pct | 87th pct |
| Loan growth YoY | -1.48% | 30th pct | 36th pct |
| Share growth YoY | 1.41% | 21th pct | 23th pct |
| Efficiency ratio | 81.40% | 60th pct | 54th pct |
structural peer set hash: e2a827a7e4acdec420ec70244f0d0303… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.