Dade County Federal Credit Union Miami, Florida
Dade County Federal Credit Union is a federal credit union headquartered in Miami, FL, established in 1979 (NCUA charter 24508), and it is regulated and insured by the NCUA. At Q2 2026 it reported 111,518 members and total assets of $1.54B (up 7.0% from Q2 2025), the 19th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 13.09% at Q2 2026, in the well capitalized band.
Also written as Dade County FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24508
- Headquarters
- Miami, FL
- Established
- 1979
- Total assets, Q2 2026
- $1.54B
- Assets vs Q2 2025
- +7.0%
- Members, Q2 2026
- 111,518
- Net worth ratio, Q2 2026
- 13.09%
- Latest call report
- Q2 2026, NCUA 5300 · Dade County Federal Credit Union call report
- Asset rank in state
- 19th of 106 in Florida
- Routing number
- 266080107
- Branches
- 11
It has 3,198 more members than on June 30, 2025 (+3.0%). Its net worth ratio was up 0.43 percentage points from 12.66% on June 30, 2025. Commercial loans are its largest loan category, $326.7M of $1.10B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.09% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Florida
Frequently asked about Dade County Federal Credit Union
How big is Dade County Federal Credit Union?
At Q2 2026 it reported total assets of $1.54B and 111,518 members.
Where is Dade County Federal Credit Union headquartered?
It is headquartered in Miami, FL, United States.
When was Dade County Federal Credit Union founded?
It was established in 1979, per NCUA records.
Is Dade County Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24508): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Dade County Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Dade County Federal Credit Union well capitalized?
Its net worth ratio was 13.09% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Dade County Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.31% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Dade County Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 92.59% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Miami, FL 33172
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 24508
- RSSD ID
- 94193
- Members
- 111,518
- Potential members
- 4,500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 6 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.09% | 10.89% | 79th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.89% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 14.72% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.09% | 3.45% | 87th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 63.50% | 70.59% | 74th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.30% | 1.68% | 79th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.31% | 0.68% | 89th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.39% | 5.12% | 70th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 92.59% | 88.03% | 66th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.54B total assets against $1.44B; $1.18B total shares and deposits against $1.12B; $1.10B total loans against $1.02B.
$196.9M net worth against $176.4M.
13.09% net worth ratio against 12.66%.
92.59% loan-to-share ratio against 91.45%.
0.31% delinquency ratio against 0.35%.
1.89% return on assets against 1.52%; 14.72% return on equity against 12.40%.
4.09% net interest margin against 3.98%.
111,518 members against 108,320.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.09% | 1.89% | 0.31% | 92.59% |
| March 31, 2026 | 12.82% | 1.51% | 0.25% | 89.55% |
| December 31, 2025 | 12.39% | 0.78% | 0.40% | 91.38% |
| September 30, 2025 | 12.81% | 1.39% | 0.29% | 91.84% |
| June 30, 2025 | 12.66% | 1.52% | 0.35% | 91.45% |
| March 31, 2025 | 12.37% | 1.43% | 0.25% | 90.81% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.