We Florida Financial Pompano Beach, Florida
We Florida Financial is a state-chartered credit union headquartered in Pompano Beach, FL, established in 1953 (NCUA charter 61525), and it is regulated and insured by the NCUA. At Q2 2026 it reported 40,348 members and total assets of $700.5M (down 3.2% from Q2 2025), the 31st largest of 106 credit unions headquartered in Florida. Its net worth ratio was 10.73% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61525
- Headquarters
- Pompano Beach, FL
- Established
- 1953
- Total assets, Q2 2026
- $700.5M
- Assets vs Q2 2025
- -3.2%
- Members, Q2 2026
- 40,348
- Net worth ratio, Q2 2026
- 10.73%
- Latest call report
- Q2 2026, NCUA 5300 · We Florida Financial call report
- Asset rank in state
- 31st of 106 in Florida
- Routing number
- 267078325
- Branches
- 6
It has 846 fewer members than on June 30, 2025 (-2.1%). Its net worth ratio was up 0.80 percentage points from 9.93% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $118.6M of $441.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.65% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.73% net worth ratio is below that band's 11.43% median.
Credit unions merged into We Florida Financial
Peoples Credit Union (2015)
Frequently asked about We Florida Financial
How big is We Florida Financial?
At Q2 2026 it reported total assets of $700.5M and 40,348 members.
Where is We Florida Financial headquartered?
It is headquartered in Pompano Beach, FL, United States.
When was We Florida Financial founded?
It was established in 1953, per NCUA records.
Is We Florida Financial FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61525): 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 We Florida Financial?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is We Florida Financial well capitalized?
Its net worth ratio was 10.73% 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 We Florida Financial's delinquency ratio?
Its delinquency ratio was 0.65% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is We Florida Financial's loan-to-share ratio?
Its loan-to-share ratio was 70.66% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Pompano Beach, FL 33063
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 61525
- RSSD ID
- 56799
- Members
- 40,348
- Potential members
- 21,941,741
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.73% | 11.43% | 39th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.78% | 0.81% | 48th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.23% | 7.02% | 52nd above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.02% | 3.70% | 14th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 83.43% | 76.55% | 25th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.31% | 1.24% | 44th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.65% | 0.68% | 53rd above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.33% | 4.92% | 16th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 70.66% | 75.66% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$700.5M total assets against $723.3M; $624.1M total shares and deposits against $650.8M; $441.0M total loans against $496.2M.
$75.2M net worth against $72.0M.
10.73% net worth ratio against 9.93%.
70.66% loan-to-share ratio against 76.24%.
0.65% delinquency ratio against 0.94%.
0.78% return on assets against 0.29%; 7.23% return on equity against 2.95%.
3.02% net interest margin against 3.03%.
40,348 members against 41,194.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.73% | 0.78% | 0.65% | 70.66% |
| March 31, 2026 | 10.41% | 0.41% | 0.64% | 69.79% |
| December 31, 2025 | 10.32% | 0.30% | 0.63% | 73.68% |
| September 30, 2025 | 10.18% | 0.79% | 0.73% | 71.78% |
| June 30, 2025 | 9.93% | 0.29% | 0.94% | 76.24% |
| March 31, 2025 | 9.71% | -0.40% | 1.09% | 79.82% |
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.