# MIRAMAR
San Diego, CA · NCUA charter 8227 · asset band $100-200M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/miramar-8227

Who the members are: federal charter, military (single sponsor), organized 1952. 6,898 members of 40,000 potential (17.2% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *too clean*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $173.2M |
| Members | 6,898 (0.4% YoY) |
| Full-time staff | 26 |
| Net worth | $22.5M |
| Net worth ratio | 13.0% (p80 of band) |
| ROA (annualized) | -0.15% (p8 of band) |
| Total delinquency | 0.11% (p8 of band) |
| Net charge-offs (annualized) | 0.17% (p29 of band) |
| Loans / shares | 62% (p35 of band) |
| Cash / assets | 2.7% |
| Borrowings / assets | 1.15% |
| Net interest margin | 2.16% (p9 of band) |
| Operating expense / assets | 2.46% (p12 of band) |
| Vehicles % of loans | 24% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 70% (p63 of band) |
| Vehicle delinquency | 0.48% (p46 of band) |
| Vehicle NCO | 0.84% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p28 of band) |
| Real estate % of loans | 75% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 26% |
| Average share balance | $11,302 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $54,571 |
| Loans granted, annualized | $18.5M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | losing money |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-15 [Miramar celebrates Bahamian culture with first-ever Goombay Festival - NBC 6 South Florida](https://news.google.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?oc=5) · NBC 6 South Florida
- 2017-01-27 [Miramar Federal Credit Union Members Vote to Merge with PenFed - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxQajZ0R3MwNy1Mc1JRanl1X3lZanVUY2pMY2JnZmJyb3ptS29OeGdVRERDZmt5SkNXRFFfdjFzQ2lFN3Zic3FMajU4T0stT05KRDNoX3VfRnYtZ3BOVWVzdzVvS29FeUUyN1NCZW84WHE2TXY3R3BzdHc5ZU5QLU5YbDFabWpUY2JPVHZkT1JNMzdyQlktS2Zmemg5QjBRWDF0aDBsZ0x5b3J0YTFiTmMwN3VlWTZQTkxiYmc?oc=5) · PR Newswire
- 2026-03-25 [Floetry Expands Tour Dates Due To Fan Demand - WBLS](https://news.google.com/rss/articles/CBMie0FVX3lxTE43V1ZmSTFCajZ3RlREazVqcTRSblJHUTVuYnRyTEhiZlE5QXdwWmJKTHNNTEE2djVsMDJyYnE3X1pkdnhxcmlqYlFpVG5LVkkxQ3dVSnQxUUNMUGUyQlRVeTVHcnNJcTdMWjNLdVpFQW5sUkV5VFhNeHI2bw?oc=5) · WBLS
- 2025-09-26 [Photos: Miramar Air Show Day 1 - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMihAFBVV95cUxNclRUMVR4Z1NWZVM1SGcyazE1Y1EwWkMtSm1Ic1VQOG9qRGZhMmNDVU03RWlOTEMzRmtLN0JuMVRJV3JybmlpOTBJTnI2ckFGdUY5MnJMUGkzRENETVZVaFliV3NsUGdZMDdqcS1vYjFXRlFlNllrSW9LYVhoMjZvY0NDdXU?oc=5) · San Diego Union-Tribune
- 2014-12-04 [Space Coast Credit Union's plan may add 600 jobs - Florida Today](https://news.google.com/rss/articles/CBMitwFBVV95cUxPTG9OVHI5a1hLTVQwd0xoSGdDOHVsQ1N2UDh6MTZOX2RsVDFJMUQ3S3NQWVRhVTFFazJhUm1rYkVubFEzWDVFVDZNZWdPRHlmTGU1OHFjbzExQlo4SFlRZzlnQkF6NDc1S2txZnk4aXZyNmRpaVhaWnh1S1hVb1FNaDduTEhiOGlGdW84bWtLNUFGRno1dk9OX1J6RVN5YjlFbS1HWE85Ri1ubE0wRTAyTDI4SVY4TjQ?oc=5) · Florida Today
- 2023-01-27 [ATM Bomber Ordered to Pay Debit to Society After Heists in San Diego, Penasquitos - NBC 7 San Diego](https://news.google.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?oc=5) · NBC 7 San Diego
- 2019-03-09 [Suspect in San Diego-area robbery spree holds PhD, worked at UCSD, authorities say - Los Angeles Times](https://news.google.com/rss/articles/CBMigAFBVV95cUxPM0s0Tl9UNXJuWEM0ZXM1aUprTFc4V05FWEFVU3VRd0RhNWN2YjY0TlVRN1Zfa0lOZ2ZFd2ljS1BYX2tjRFJBNmQ4MktWRGt2OFVmSnhndElnQ2FmeTNrOUx0WlRVX2R1YlY1cTBpWVRSSWgxWWRKZnZnSmRaUHNweg?oc=5) · Los Angeles Times
- 2025-03-18 [Marquis Who's Who Honors Crystal Haase for Expertise in the Financial Industry - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxPbVRxM2o1UWZ2VmoxdFlkNHR3SUI1ZEZuT3ZEdWpDTHVST0g5TUVuWjA2UURHMWdVQk54R2RLdS1LMy1QT2UzaTBudDJjckJPSmNkbUhEN3lYa0dTRDNvenRONXhWWWQ0TWRBVTlGOFBMZGpYQVN6emlLdG1BUmtWc1ZJRGk3VG9tcEZNOFBhenBEdE1sbkdNeUhiVS1BSGwtVXRmbnA0SThwVVhDRGlScE0wUkNDSjdmcFJBb2hPR1VrOGh4ZEFUY05xaw?oc=5) · 24-7 Press Release Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8227 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/35.json (key "8227", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=8227
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide