MIAMI FIREFIGHTERS
Charter #872 · MIAMI, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,235 sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.86% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.95% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.13% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.52% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 FIREFIGHTERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $193.85M | 49th pct | 49th pct |
| Members | 6,235 | 7th pct | 3th pct |
| Net worth ratio | 12.02% | 57th pct | 59th pct |
| Return on average assets | 0.94% | 66th pct | 64th pct |
| Net interest margin | 2.86% | 10th pct | 3th pct |
| Cost of funds | 1.95% | 87th pct | 93th pct |
| Loan-to-share | 80.06% | 69th pct | 59th pct |
| Delinquency 60+ days | 0.13% | 9th pct | 8th pct |
| Net charge-off ratio | 0.19% | 30th pct | 31th pct |
| Loan growth YoY | 3.62% | 79th pct | 72th pct |
| Share growth YoY | 6.26% | 83th pct | 87th pct |
| Efficiency ratio | 70.52% | 25th pct | 25th pct |
structural peer set hash: 548958a27061632c1f7d972f19b1f989… (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.