State credit union · Fort Lauderdale, Florida · NCUA charter #61525
We Florida Financial
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $702.0M
- Total assets
- 40,800
- Members
- 10.4%
- Net-worth ratio
We Florida Financial scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $702.0M; members 40,800; net-worth ratio 10.41%; health rank #3,658 of 4,374; healthier than 16th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,658 of 4,374 health · 2025Q4We Florida Financial · health 69/100 · $702.0M · 2025Q4
Call Report peers
We Florida Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
We Florida Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); We Florida Financial sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
We Florida Financial vs Over $500M peers
- Delinquency Rate leads the peer set - 0.63% here, 0.87% peer average (-0.25 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.22 pp (73.68% vs 83.90%).
Where We Florida Financial sits in Florida
- In Florida, health place is #103 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #32 of 109 inside Florida ($702.0M reported).
- Member book place in Florida: #34 of 109.
- One place up in Florida, Tampa Postal (#102) ties at 69/100; one place down, Coral Community (#104) ties at 69/100.
How We Florida Financial's 5300 filing moved
We Florida Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $702.0M (2025Q4) to $709.0M (2026Q1).
- Net-worth ratio shifted +0.09 pp (10.32% → 10.41%).
This credit union's 10.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
We Florida Financial gives up 31 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 0.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
We Florida Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.41% | -0.77 pp |
| Delinquency Rate | 0.63% | -0.25 pp |
| Return on Assets | -0.42% | -0.93 pp |
| Member Growth | -7.80% | - |
| Loan-to-Share Ratio | 73.68% | -10.22 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
We Florida Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $709.0M | - |
| 2025Q4 | $702.0M | 40,800 |
| 2024Q4 | $744.2M | 44,253 |
| 2023Q4 | $814.2M | 47,832 |
Credit Union Details
- Charter Number
- 61525
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Fort Lauderdale
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, We Florida Financial runs 6 offices in 6 different cities.
| Office | City |
|---|---|
| East Pembroke Pines (Main Office) | Pembroke Pines, FL |
| Fort Lauderdale | Fort Lauderdale, FL |
| Lauderhill | Lauderhill, FL |
| Margate | Margate, FL |
| North Miami | North Miami, FL |
| Sunrise | Sunrise, 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.
We Florida Financial nationwide neighbourhoods
Using this data
- We Florida Financial ranks #3,658 of 4,374 nationally on financial health and #103 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RADIFI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RADIFI
Frequently Asked Questions
Is We Florida Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, We Florida Financial scores 69/100 (Good), with a 10.41% net worth ratio and 0.63% of loans delinquent. It ranks #3,658 of 4,374 nationally on health and #103 of 109 in Florida.
How does We Florida Financial compare to other credit unions?
We Florida Financial scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.63% vs 0.87%). Its widest shortfall is loan-to-share ratio (73.68% vs 83.90%).
How can I join We Florida Financial?
Membership eligibility for We Florida Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact We Florida Financial directly for current membership requirements and application steps.
Is my money safe at We Florida Financial?
We Florida 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. We Florida Financial's net worth ratio of 10.41% 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.