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
- CHARTER 65/100
- NCUSIF 9.3%
- CAMELS 0.96%
- HEALTH -0.26%
- NW $984.1M
- DELQ 63,033
- ROA #3,882/4,374
- ASSETS Greater Texas
- MEM 68476
Call Report peers
Tropical Financial in the assets neighbourhood
Tropical Financial's $984.1M assets sit next to Greater Texas ($980.0M) 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.
Tropical Financial 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68476, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Tropical Financial
Tropical Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $984.1M (2025Q4) to $995.2M (2026Q1).
- Net-worth ratio shifted +0.00 pp (9.34% → 9.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- 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 |
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).
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
Tropical Financial's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($984.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
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
- 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 Tropical Financial financially healthy?
A 9.34% net worth ratio and a 0.96% delinquency rate feed into Tropical Financial's financial health score of 65/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,882 of 4,374; by total assets it ranks #472 of 4,374 nationally (same basis as /rankings/largest); and #29 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Tropical Financial compare to other credit unions?
On PlainCU's health composite, Tropical Financial lands at 65/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Tropical Financial 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. Tropical Financial's net worth ratio of 9.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tropical Financial offer compared to banks?
Credit unions like Tropical Financial 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 Tropical Financial 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.