Credit Union Safety Analysis
Is We Florida Financial Safe? Pompano Beach, Florida
Based on its Q2 2026 NCUA 5300 call report, We Florida Financial has a net worth ratio of 10.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.65%, 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, We Florida Financial's net worth ratio is 10.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.73%
- Delinquency ratio (60+ days) (Q2 2026): 0.65%
- Return on assets (Q2 2026): 0.78%
- Loan-to-share ratio (Q2 2026): 70.66%
We Florida Financial (NCUA charter 61525, established 1953) reported $700.5M in assets and 40,348 members for Q2 2026 from Pompano Beach, Florida. It ranks 31 of 106 credit unions in Florida by total assets. Total assets fell 3.2% from $723.3M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.41% for Q1 2026; 9.93% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.64% for Q1 2026; 0.94% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.41% for Q1 2026; 0.29% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 69.79% for Q1 2026; 76.24% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $118.6M
- Commercial loans: $114.1M
- Other secured non-real estate loans and lines of credit: $83.9M
- Used vehicle loans: $61.4M
- New vehicle loans: $26.5M
- Unsecured credit card loans: $14.1M
- Other unsecured loans and lines of credit: $7.2M
- Non-federally guaranteed student loans: $143K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $700.5M | 10.73% | 0.65% | 0.78% | 70.66% |
| March 31, 2026 | $709.0M | 10.41% | 0.64% | 0.41% | 69.79% |
| December 31, 2025 | $702.0M | 10.32% | 0.63% | 0.30% | 73.68% |
| September 30, 2025 | $719.5M | 10.18% | 0.73% | 0.79% | 71.78% |
| June 30, 2025 | $723.3M | 9.93% | 0.94% | 0.29% | 76.24% |
| March 31, 2025 | $734.5M | 9.71% | 1.09% | -0.40% | 79.82% |
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Free to use. It shows We Florida Financial’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 61525) · FFIEC NIC profile (RSSD 56799)
Frequently asked questions
Is We Florida Financial well capitalized?
On its Q2 2026 NCUA 5300 call report, We Florida Financial's net worth ratio is 10.73%, above the 7% NCUA threshold for well capitalized.
Is We Florida Financial FDIC insured?
No. The FDIC insures banks, not credit unions. We Florida Financial is a federally insured credit union (NCUA charter 61525): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are We Florida Financial's key safety ratios?
For Q2 2026, We Florida Financial reports net worth 10.73%, delinquency 0.65%, ROA 0.78%, loan-to-share 70.66%.
What happens to my money if We Florida Financial fails?
For Q2 2026, We Florida Financial held $624.1M in shares and deposits for 40,348 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.