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.
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NCUA 5300 Call Report Masthead
#168 of 4,374 health · 2025Q4Dade County · health 97/100 · $1.48B · 2025Q4
Call Report peers
Dade County in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Dade County sits in 95-99 with 391 others.
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
Where Dade County diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 91.38% vs peer 83.90% (+7.48 pp).
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.
- One place up in Florida, EDUCATIONAL (#9) ties at 97/100; one place down, Tru Fi (#11) ties at 97/100.
Dade County: 2025Q4 → 2026Q1
Dade County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $1.48B (2025Q4) to $1.52B (2026Q1).
- Net-worth ratio shifted +0.43 pp (12.39% → 12.82%).
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
Dade County gives up 3 points in total. Member Growth costs the most, 2.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Dade County financially healthy?
On its 2025Q4 NCUA 5300 filing, Dade County scores 97/100 (Excellent), with a 12.82% net worth ratio and 0.40% of loans delinquent. It ranks #168 of 4,374 nationally on health and #10 of 109 in Florida.
How does Dade County compare to other credit unions?
Dade County scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.38% vs 83.90%).
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?
Dade County is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.