State credit union · MIRAMAR, Florida · NCUA charter #68476
Tropical Financial
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $984.1M
- Total assets
- 63,033
- Members
- 9.3%
- Net-worth ratio
Tropical Financial scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $984.1M; members 63,033; net-worth ratio 9.34%; health rank #3,882 of 4,374; healthier than 11th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,882 of 4,374 health · 2025Q4Tropical Financial · health 65/100 · $984.1M · 2025Q4
Call Report peers
Tropical Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tropical Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Tropical Financial sits in 65-69 with 275 others.
65 11th percentile higher than 11% 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
Tropical Financial vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 92.33% here, 83.90% peer average (+8.43 pp).
- Largest lag: Net Worth Ratio at 9.34% vs peer 11.18% (-1.84 pp).
Florida standing for Tropical Financial
- Health composite ranks #106 of 109 among scored Florida credit unions.
- By total assets, Tropical Financial is #29 of 109 in Florida.
- Florida membership ordinal: #25 of 109.
- One place up in Florida, Ocala Community (#105) ties at 65/100; one place down, Unity of Eatonville (#107) scores 54/100, 11 points lower.
Quarter path for Tropical Financial
Tropical Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $984.1M (2025Q4) to $995.2M (2026Q1).
- Net-worth ratio shifted +0.00 pp (9.34% → 9.34%).
9.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Tropical Financial gives up 35 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 1.
- Net Worth Ratio 28.4 pts
- Delinquency Rate 20.4 pts
- Return on Assets 2.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.1 pts
Tropical Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.34% | -1.84 pp |
| Delinquency Rate | 0.96% | +0.08 pp |
| Return on Assets | -0.26% | -0.77 pp |
| Member Growth | -5.83% | - |
| Loan-to-Share Ratio | 92.33% | +8.43 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $995.2M | - |
| 2025Q4 | $984.1M | 63,033 |
| 2024Q4 | $983.9M | 66,932 |
| 2023Q4 | $966.6M | 68,154 |
Credit Union Details
- Charter Number
- 68476
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- MIRAMAR
- Data Quarter
- 2025Q4
Branch Locations (7)
Tropical Financial operates 7 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MIRAMAR (Main Office) | Miramar, FL |
| Doral branch | Doral, FL |
| Fort Lauderdale | Fort Lauderdale, FL |
| KENDALL | Miami, FL |
| MIRAMAR | Miramar, FL |
| Plantation | Plantation, FL |
| West Palm Beach | West Palm Beach, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Tropical Financial nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Tropical Financial ranks #3,882 of 4,374 nationally on financial health and #106 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Power Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Power Financial
Frequently Asked Questions
Is Tropical Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Tropical Financial scores 65/100 (Good), with a 9.34% net worth ratio and 0.96% of loans delinquent. It ranks #3,882 of 4,374 nationally on health and #106 of 109 in Florida.
How does Tropical Financial compare to other credit unions?
Tropical Financial scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.33% vs 83.90%). Its widest shortfall is net worth ratio (9.34% vs 11.18%).
How can I join Tropical Financial?
Membership eligibility for Tropical Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Tropical Financial directly for current membership requirements and application steps.
Is my money safe at Tropical Financial?
Tropical Financial is a state-chartered 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. Tropical Financial's net worth ratio of 9.34% 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.