Preheat your oven to 350°F (175°C). This ensures your muffins will bake evenly and rise perfectly.
Grease a muffin tin or line it with muffin liners for easy removal after baking.
In a medium mixing bowl, mash the very ripe bananas until smooth. You want about 1 2/3 cups of banana puree.
In a separate bowl, whisk together the almond flour, coconut flour, baking powder, baking soda, and salt until well combined.
In a large mixing bowl, cream the softened butter and 1/4 cup of the brown sugar together until light and fluffy. This should take about 2-3 minutes.
Add the eggs and vanilla extract to the butter-sugar mixture. Mix until fully combined.
Add the mashed bananas to the wet ingredients, mixing until well blended. Gradually fold in the dry ingredients, being careful not to overmix.
In a small bowl, mix the remaining 1/4 cup of brown sugar with the reduced fat cream cheese until smooth and combined.
Spoon a small amount of the banana batter into each muffin cup, filling about 1/3 of the way. Add a generous dollop of the cream cheese mixture on top, then fill the rest of the way with more banana batter, covering the cream cheese completely.
Place the muffin tin in the preheated oven and bake for 18-22 minutes, or until a toothpick inserted into the center comes out clean.
Once baked, allow the muffins to cool in the tin for about 5 minutes before transferring them to a cooling rack. Enjoy them warm or at room temperature!