Tropical Financial

MIRAMAR, FL · 2 · Charter #68476 · www.tropicalfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$984.1M
99th percentile
Members
63,033
96th percentile
Total loans
$808.2M
99th percentile
Total shares
$875.4M
100th percentile

Profitability

Return on assets
1.01%
53th percentile
Net interest margin
3.92%
78th percentile
Efficiency ratio
61.45%
39th percentile
Non-interest income ratio
13.83%
18th percentile

Capital & Risk

Net worth ratio
9.34%
23th percentile
Delinquency rate
0.96%
30th percentile
Net charge-off rate
0.72%
23th percentile
Loan-to-share
92.33%
79th percentile

Growth

Member growth YoY
-5.83%
7th percentile
Asset growth YoY
0.02%
14th percentile
Loan growth YoY
2.74%
42th percentile
Share growth YoY
-0.44%
11th percentile

Operations

Members / branch
10,506
94th percentile
Assets / member
$15,613
45th percentile
Field of membership penetration
0.91%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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