Credit Union Safety Analysis
Is Tropical Financial Credit Union Safe? Hollywood, Florida
Based on its Q2 2026 NCUA 5300 call report, Tropical Financial Credit Union has a net worth ratio of 9.47%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.88%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Tropical Financial Credit Union's net worth ratio is 9.47%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.47%
- Delinquency ratio (60+ days) (Q2 2026): 0.88%
- Return on assets (Q2 2026): 0.79%
- Loan-to-share ratio (Q2 2026): 95.17%
Tropical Financial Credit Union (NCUA charter 68476, established 1935) reported $1.00B in assets and 62,337 members for Q2 2026 from Hollywood, Florida. It ranks 29 of 106 credit unions in Florida by total assets. Total assets fell 1.5% from $1.02B on June 30, 2025. It has 1,145 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 0.70 percentage points from 8.77% on June 30, 2025. Used vehicle loans are its largest loan category, $340.2M of $841.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.88% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.34% for Q1 2026; 8.77% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.73% for Q1 2026; 0.49% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.43% for Q1 2026; 0.36% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 92.34% for Q1 2026; 87.08% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $340.2M
- 1- to 4-family residential and other consumer real estate loans: $297.2M
- New vehicle loans: $93.1M
- Commercial loans: $68.0M
- Other secured non-real estate loans and lines of credit: $15.4M
- Other unsecured loans and lines of credit: $14.3M
- Unsecured credit card loans: $13.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.00B | 9.47% | 0.88% | 0.79% | 95.17% |
| March 31, 2026 | $995.2M | 9.34% | 0.73% | 0.43% | 92.34% |
| December 31, 2025 | $984.1M | 9.34% | 0.96% | 0.75% | 92.33% |
| September 30, 2025 | $992.2M | 9.15% | 0.48% | 0.59% | 93.09% |
| June 30, 2025 | $1.02B | 8.77% | 0.49% | 0.36% | 87.08% |
| March 31, 2025 | $1.02B | 8.67% | 0.56% | 0.51% | 84.61% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Tropical Financial Credit Union profile
Regulator records: NCUA credit union profile (charter 68476) · FFIEC NIC profile (RSSD 17473)
Frequently asked questions
Is Tropical Financial Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tropical Financial Credit Union's net worth ratio is 9.47%, above the 7% NCUA threshold for well capitalized.
Is Tropical Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tropical Financial Credit Union is a federally insured credit union (NCUA charter 68476): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tropical Financial Credit Union's key safety ratios?
For Q2 2026, Tropical Financial Credit Union reports net worth 9.47%, delinquency 0.88%, ROA 0.79%, loan-to-share 95.17%.
What happens to my money if Tropical Financial Credit Union fails?
For Q2 2026, Tropical Financial Credit Union held $884.2M in shares and deposits for 62,337 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.