Sep, 30, 2025 — UNIVERSITY CREDIT UNION is a federally insured state chartered credit union headquartered in MIAMI, FL with 4 branch locations and about $234.89 million in total assets. Opened 79 years ago in 1947, UNIVERSITY CREDIT UNION has about 15,903 members and employs 44 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UNIVERSITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 13241 SW 136th St MIAMI, FL 33186-5822 |
| Phone: | (786) 425-5000 |
| Fax: | (305) 534-4543 |
| Website: | https://www.ucumiami.org |
| Branches: | 4 branch locations |
| Members: | 15,903 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67348 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1947 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $234,893,420 |
| CEO/Manager: | Albert E Rose |
| Chairperson: | Scott Ingold |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 62,107,857 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 71,502,120 |
| Unsecured Loans | 12,274,616 |
| Other Loans | 11,571,969 |
| TOTAL LOANS | 95,348,705 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -867,847 |
| Land And Building | 8,402,769 |
| Other Fixed Assets | 560,266 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,957,777 |
| All Other Assets | 0 |
| TOTAL ASSETS | 234,893,420 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 141,281 |
| Notes & Interest Payable | 9,166,667 |
| Accounts Payable & Other Liabilities | 2,546,646 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 63,914,561 |
| Regular shares | 71,758,657 |
| All Other Shares & Deposits | 71,239,208 |
| TOTAL SHARES & DEPOSITS | 206,912,426 |
| TOTAL LIABILITIES | 218,767,020 |
| Regular Reserve | 0 |
| Other Reserves | -5,755,413 |
| Undivided Earnings | 21,881,813 |
| TOTAL EQUITY | 16,126,400 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 234,893,420 |
| INCOME & EXPENSE | |
| Loan Income | 3,430,321 |
| Investment Income | 2,635,177 |
| Other Income | 551,690 |
| Total Employee Compensation & Benefits | 2,242,511 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,802,895 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 166,989 |
| Cost of Funds | 1,498,999 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 437,693 |
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