Federal credit union · Sweetwater, Florida · NCUA charter #24508
Dade County
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.48B
- Total assets
- 109,515
- Members
- 12.8%
- Net-worth ratio
Dade County scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.48B; members 109,515; net-worth ratio 12.82%; health rank #168 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#168 of 4,374 health · 2025Q4Dade County · health 97/100 · $1.48B · 2025Q4
- NW 97/100
- DELQ 12.8%
- ROA 0.40%
- ASSETS 1.26%
- MEM $1.48B
- RANK 109,515
- PHOTO #168/4,374
- BOOK Webster First
- CHARTER 24508
Call Report peers
Dade County in the assets neighbourhood
Dade County's $1.48B assets sit next to Webster First ($1.49B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Dade County vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Dade County - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24508. See our deposit-insurance coverage note.
Where Dade County diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 91.38% vs peer 83.90% (+7.48 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Dade County sits in Florida
- Health composite ranks #10 of 109 among scored Florida credit unions.
- Florida assets place: #19 of 109.
- Florida membership ordinal: #18 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Dade County: 2025Q4 → 2026Q1
Dade County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $1.48B (2025Q4) to $1.52B (2026Q1).
- Net-worth ratio shifted +0.43 pp (12.39% → 12.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.8 pts
- Loan-to-Share Ratio 14.2 pts
Dade County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.82% | +1.64 pp |
| Delinquency Rate | 0.40% | -0.48 pp |
| Return on Assets | 1.26% | +0.75 pp |
| Member Growth | 3.17% | - |
| Loan-to-Share Ratio | 91.38% | +7.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Dade County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.52B | - |
| 2025Q4 | $1.48B | 109,515 |
| 2024Q4 | $1.35B | 106,150 |
| 2023Q4 | $1.36B | 102,905 |
Credit Union Details
- Charter Number
- 24508
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Florida
- City
- Sweetwater
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, Dade County runs 11 offices in 7 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Sweetwater, FL |
| South Branch | Cutler Bay, FL |
| Hialeah Branch | Hialeah, FL |
| Homestead Branch | Homestead, FL |
| Downtown Branch | Miami, FL |
| Jackson Memorial Hospital Branch | Miami, FL |
| Kendall Branch | Miami, FL |
| Miami Gardens Branch | Miami Gardens, FL |
| Miami Gardens Walmart | Miami Gardens, FL |
| Pembroke Pines | Pembroke Pines, FL |
| Mobile Branch | Sweetwater, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Cross-state Call Report peers for Dade County
Two NCUA Call Report peer sets for Dade County, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.48B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Dade County ranks #168 of 4,374 nationally on financial health and #10 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community Credit Union of Florida is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community Credit Union of Florida
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Dade County financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Dade County carries a financial health score of 97/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #168 of 4,374; by total assets it ranks #321 of 4,374 nationally (same basis as /rankings/largest); and #19 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.82% net worth ratio and a 0.40% delinquency rate.
How does Dade County compare to other credit unions?
97/100 is Dade County's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Dade County?
Dade County operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Dade County directly for the exact boundaries and application steps.
Is my money safe at Dade County?
Federal credit unions like Dade County are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Dade County's net worth ratio of 12.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dade County offer compared to banks?
Credit unions like Dade County are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Dade County directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.