WE FLORIDA FINANCIAL
Charter #61525 · Fort Lauderdale, FL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.94% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.21% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.83% sits at the 90th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WE FLORIDA FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $709.02M | 50th pct | 36th pct |
| Members | 40,632 | 47th pct | 38th pct |
| Net worth ratio | 10.41% | 51th pct | 51th pct |
| Return on average assets | 0.41% | 28th pct | 34th pct |
| Net interest margin | 2.94% | 16th pct | 15th pct |
| Cost of funds | 0.21% | 9th pct | 8th pct |
| Loan-to-share | 69.79% | 22th pct | 33th pct |
| Delinquency 60+ days | 0.64% | 54th pct | 54th pct |
| Net charge-off ratio | 0.83% | 81th pct | 90th pct |
| Loan growth YoY | -4.47% | 5th pct | 7th pct |
| Share growth YoY | -1.75% | 3th pct | 3th pct |
| Efficiency ratio | 85.80% | 80th pct | 69th pct |
structural peer set hash: cfe9a920c59a9398f15b825ebac7c48c… (reproducible)
Closest structural peers
This is the free public view
Claim WE FLORIDA FINANCIAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.