Tropical Financial
Miramar, FL · Charter 68476 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
$1.0BAssets
$841.5MLoans
$884.2MShares
$95.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 87% of credit unions $1B-$10B in assets (rank 56 of 435).
- Widest gap: equity / assets trails 81% of credit unions $1B-$10B in assets (rank 352 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.61%
Rank 304 of 435
Net Interest Margin
3.99%
Rank 56 of 435
Efficiency Ratio
76.81%
Rank 313 of 435
Equity / Assets
9.47%
Rank 352 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.55% | 0.81% | 1.14% | Beats 30% | 304 / 435 | |
| Return on Equity | 6.44% | 5.12% | 7.41% | 9.70% | Beats 38% | 271 / 435 | |
| Net Interest Margin | 3.99% | 3.01% | 3.39% | 3.75% | Beats 87% | 56 / 435 | |
| Efficiency Ratio | 76.81% | 65.25% | 71.39% | 77.86% | Beats 28% | 313 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.45% | 0.69% | 1.05% | Beats 35% | 285 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.47% | 9.81% | 10.84% | 12.63% | Beats 19% | 352 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.47% | 9.81% | 10.84% | 12.63% | Beats 19% | 352 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 95.17% | 78.33% | 88.38% | 95.61% | 74th pctl | 111 / 435 | |
| Loans / Assets | 83.91% | 67.69% | 74.58% | 80.80% | 88th pctl | 52 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |