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Preheat oven to 375 degrees. Grease muffin cups or line with muffin liners.
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Combine 1 1/2 cups all-purpose flour, baking soda, baking powder and salt.
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In a separate bowl, mash the bananas and then beat together the bananas, sugar, egg, melted butter and vanilla extract.
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Combine banana mixture with the flour mixture until just moistened.
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Spoon batter into prepared muffin cups (leave a little batter to top the cream cheese filling).
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Create the cream cheese filling by mixing together all three of the ingredients. Pour a tablespoonful onto the batter in the muffin cups. Top the cream cheese with the remaining muffin batter.
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Create the topping: use a fork and mix together the brown sugar, 1/4 cup all-purpose flour, cinnamon and butter until crumbly. Sprinkle mixture over the batter.
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Bake for 18 to 20 minutes or until a toothpick inserted into the center comes out clean.