TROPICAL FINANCIAL
Charter #68476 · MIRAMAR, FL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.43% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.94% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.03% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 100th percentile but its structural peers at the 43rd — a 57-point gap showing why the peer definition matters.
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 | TROPICAL FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $995.17M | 100th pct | 43th pct |
| Members | 62,758 | 91th pct | 41th pct |
| Net worth ratio | 9.34% | 25th pct | 26th pct |
| Return on average assets | 0.43% | 31th pct | 20th pct |
| Net interest margin | 3.94% | 80th pct | 75th pct |
| Cost of funds | 0.03% | 2th pct | 3th pct |
| Loan-to-share | 92.34% | 85th pct | 59th pct |
| Delinquency 60+ days | 0.73% | 63th pct | 64th pct |
| Net charge-off ratio | 0.70% | 74th pct | 67th pct |
| Loan growth YoY | -0.40% | 34th pct | 17th pct |
| Share growth YoY | 0.40% | 8th pct | 5th pct |
| Efficiency ratio | 77.38% | 46th pct | 62th pct |
structural peer set hash: b6b279a158a984318f06dcc7dfffa1ae… (reproducible)
Closest structural peers
This is the free public view
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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.