B
Tropical Financial Credit Union
MiramarFL
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Tropical Financial Credit Union
Miramar, FL
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Rating B
Asset Quality Index 7.90
Capitalization Index 6.70
Liquidity Index 2.50
Profitability Index 4.30
Stability Index 4.50
Company Info Tropical Financial Credit Union
Miramar, FL
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NCUA Charter Number 407
Phone Number (888) 261-8328
Website www.tropicalfcu.com
Asset Quality Tropical Financial Credit Union
Miramar, FL
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1-Year Asset Growth 0.82%
5-Year Asset Growth 5.83%
5-Year Charge-Offs to Average Loans 0.60%
Charge-Offs to Average Loans 0.77%
Non-Performing Assets to Assets 0.46%
Non-Performing Loans to Capital 4.43%
Non-Performing Loans to Loans 0.48%
Balance Sheet Tropical Financial Credit Union
Miramar, FL
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Total Assets 992.16M
Total Deposits 877.82M
Capital and Reserves Tropical Financial Credit Union
Miramar, FL
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Capital 90.28M
Leverage Ratio 9.15
Loan Loss Reserves to Loans 1.44%
Liquidity Tropical Financial Credit Union
Miramar, FL
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Hot Money Ratio 16.68%
Liquidity Ratio 13.79%
Profitability Tropical Financial Credit Union
Miramar, FL
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5-Year Return on Average Assets 0.32%
Net Income 3.67M
Net Interest Spread 4.68%
Operating Profit to Average Assets 0.91%
Overhead Efficiency Ratio 80.33%
Return on Assets 0.48%
Return on Equity 5.55%