DADE COUNTY

Charter #24508 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

DADE COUNTY has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 2.3% in tier
  • + Organic Growth Engine: Top 6.6% in tier
  • + Wallet Share Momentum: Top 11.1% in tier
  • + Relationship Depth Leader: Top 23.4% in tier
  • + ROA 0.72% above tier average
  • + Net Interest Margin 0.58% above tier average
  • + First Mortgage Concentration (%): Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 20.5% in tier
  • - Liquidity Strain: Bottom 21.4% in tier
  • - Liquidity Overhang: Bottom 24.9% in tier
  • - Average Member Relationship (AMR): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 109,384
+3.7% YoY+1.0% QoQ
 +10.7K 98,678
-1.9% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 66th in tier
Assets $1.5B
+6.9% YoY+2.7% QoQ
 $-245.6M $1.7B
+0.5% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 46th in tier
Loans $1.0B
+11.6% YoY+2.1% QoQ
 $-189.7M $1.2B
+0.5% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 43rd in tier
Deposits $1.1B
+9.1% YoY+1.7% QoQ
 $-318.2M $1.5B
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 36th in tier
ROA 1.4%
+7.3% YoY-3.2% QoQ
 +0.7% 0.7%
+13.4% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Top 7.2% in tier
NIM 3.8%
+13.3% YoY-0.8% QoQ
 +0.6% 3.3%
+9.3% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Top 15.8% in tier
Efficiency Ratio 66.8%
-1.6% YoY-1.3% QoQ
 -7.2% 74.0%
-10.9% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 Bottom 22.4% in tier
Delinquency Rate 0.3%
-13.1% YoY-17.2% QoQ
 -0.5 0.8%
+6.1% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Bottom 11.8% in tier
Loan To Share 91.8%
+2.3% YoY+0.4% QoQ
 +6.6% 85.2%
-0.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 62nd in tier
AMR $19,925
+6.4% YoY+0.9% QoQ
 $-9K $29,172
+2.8% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Bottom 7.2% in tier
CD Concentration 28.3%
+38.0% YoY+8.2% QoQ
 -0.7% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 49th in tier
Indirect Auto % 21.0%
+30.7% YoY+6.0% QoQ
 +2.2% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 60th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#13 of 184 • Top 2.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.43%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 3.70%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY

Organic Growth Engine

growth
#49 of 246 • Top 6.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.70%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.43%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 21.03%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth
#81 of 264 • Top 11.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.35%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY

Relationship Depth Leader

growth
#170 of 264 • Top 23.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.35%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#127 of 202 • Bottom 20.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.93%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 21.03%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.70%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk
#113 of 183 • Bottom 21.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.84%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 11.63%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | New qualifier

Liquidity Overhang

risk
#81 of 113 • Bottom 24.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.81%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 91.84%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (10 metrics)

5
First Mortgage Concentration (%)
balance_sheet
Value: 8.98%
Peer Avg: 34.01%
#5 of 304 Top 1.3% in 1B-3B tier
22
Return on Assets (ROA)
profitability
Value: 1.43%
Peer Avg: 0.70%
#22 of 304 Top 6.9% in 1B-3B tier
37
Total Delinquency Rate (60+ days)
risk
Value: 0.29%
Peer Avg: 0.83%
#37 of 304 Top 11.8% in 1B-3B tier
41
Loan Growth Rate
growth
Value: 11.63%
Peer Avg: 5.27%
#41 of 304 Top 13.2% in 1B-3B tier
48
Net Interest Margin (NIM)
profitability
Value: 3.85%
Peer Avg: 3.26%
#48 of 304 Top 15.5% in 1B-3B tier
53
Deposit Growth Rate
growth
Value: 9.08%
Peer Avg: 5.58%
#53 of 304 Top 17.1% in 1B-3B tier
60
Members Per Employee (MPE)
engagement
Value: 428.957
Peer Avg: 364.953
#60 of 304 Top 19.4% in 1B-3B tier
62
Net Worth Ratio
risk
Value: 12.81%
Peer Avg: 11.44%
#62 of 304 Top 20.1% in 1B-3B tier
66
AMR Growth Rate
growth
Value: 6.35%
Peer Avg: 3.29%
#66 of 304 Top 21.4% in 1B-3B tier
69
Efficiency Ratio
profitability
Value: 66.81%
Peer Avg: 73.97%
#69 of 304 Top 22.4% in 1B-3B tier

Top Weaknesses (2 metrics)

282
Average Member Relationship (AMR)
engagement
Value: $19,925
Peer Avg: $29,172
#282 of 304 Bottom 7.6% in 1B-3B tier
257
Loan-to-Member Ratio (LMR)
engagement
Value: $9,539
Peer Avg: $13,213
#257 of 304 Bottom 15.8% in 1B-3B tier