WE FLORIDA FINANCIAL
Charter #61525 | FL
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
6 500M-750M in FL
WE FLORIDA FINANCIAL has 2 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 4.7% in tier
- + First Mortgage Concentration (%): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 0.0% in tier
- - Institutional Decline: Bottom 0.0% in tier
- - Membership Headwinds: Bottom 3.6% in tier
- - Shrinking Wallet Share: Bottom 6.3% in tier
- - Stagnation Risk: Bottom 10.1% in tier
- - ROA 0.44% below tier average
- - Member decline: -7.8% YoY
- - Loan Growth Rate: Bottom 0.6% in tier
- - Member Growth Rate: Bottom 2.4% in tier
- - Deposit Growth Rate: Bottom 4.7% in tier
- - Share Certificate Concentration (%): Bottom 5.3% in tier
- - AMR Growth Rate: Bottom 7.7% in tier
- - Asset Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,036
-7.8% YoY-0.4% QoQ
|
+1.3K |
39,752
-2.7% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
59th in tier |
| Assets |
$719.5M
-4.7% YoY-0.5% QoQ
|
+$97.1M |
$622.4M
+0.3% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Top 13.0% in tier |
| Loans |
$463.6M
-20.8% YoY-6.6% QoQ
|
+$27.7M |
$435.9M
-0.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
63rd in tier |
| Deposits |
$645.9M
-4.9% YoY-0.8% QoQ
|
+$107.8M |
$538.0M
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 5.3% in tier |
| ROA |
0.2%
-193.7% YoY-489.2% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 18.9% in tier |
| NIM |
3.0%
+11.5% YoY+4.0% QoQ
|
-0.4% |
3.4%
+8.6% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 21.9% in tier |
| Efficiency Ratio |
77.6%
-7.7% YoY-2.0% QoQ
|
-0.5% |
78.1%
-3.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
45th in tier |
| Delinquency Rate |
0.7%
-26.0% YoY-22.4% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
56th in tier |
| Loan To Share |
71.8%
-16.8% YoY-5.8% QoQ
|
-9.2% |
81.0%
-1.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 23.7% in tier |
| AMR |
$27,036
-4.8% YoY-2.9% QoQ
|
+$555 |
$26,482
+2.6% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
62nd in tier |
| CD Concentration |
39.8%
-9.0% YoY-0.6% QoQ
|
+15.4% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
Top 7.8% in tier |
| Indirect Auto % |
14.7%
-23.8% YoY-7.0% QoQ
|
+0.8% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
61st in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Accelerating Exit Risk
decline
#1 of 58 • Bottom 0.0% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-7.81%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-4.83%
(Tier:
3.68%, National:
4.19%)
58 of 281 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Institutional Decline
decline
#1 of 256 • Bottom 0.0% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$719.47M
(Tier: $622.38M, National: $547.69M)
Member Growth (YoY):
-7.81%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-20.83%
(Tier:
3.64%, National:
36.38%)
256 of 281 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank improving
Membership Headwinds
decline
#60 of 550 • Bottom 3.6% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-7.81%
(Tier:
0.88%, National:
9.37%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Shrinking Wallet Share
decline
#64 of 244 • Bottom 6.3% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-4.83%
(Tier:
3.68%, National:
4.19%)
244 of 281 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Stagnation Risk
risk
#167 of 550 • Bottom 10.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.22%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-7.81%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$27.0K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
39.77%
(Tier:
24.41%, National:
19.60%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
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)
Top Strengths (3 metrics)
9
Total Deposits
balance_sheet
Value:
$645.85M
Peer Avg: $538.02M
#9 of 169
Top 4.7% in 500M-750M tier
14
First Mortgage Concentration (%)
balance_sheet
Value:
13.84%
Peer Avg: 33.53%
#14 of 169
Top 7.7% in 500M-750M tier
22
Total Assets
balance_sheet
Value:
$719.47M
Peer Avg: $622.38M
#22 of 169
Top 12.4% in 500M-750M tier
Top Weaknesses (10 metrics)
169
Loan Growth Rate
growth
Value:
-20.83%
Peer Avg: 4.04%
#169 of 169
Bottom 0.6% in 500M-750M tier
166
Member Growth Rate
growth
Value:
-7.81%
Peer Avg: 1.75%
#166 of 169
Bottom 2.4% in 500M-750M tier
162
Deposit Growth Rate
growth
Value:
-4.89%
Peer Avg: 5.25%
#162 of 169
Bottom 4.7% in 500M-750M tier
161
Share Certificate Concentration (%)
balance_sheet
Value:
39.77%
Peer Avg: 26.87%
#161 of 169
Bottom 5.3% in 500M-750M tier
157
AMR Growth Rate
growth
Value:
-4.83%
Peer Avg: 3.12%
#157 of 169
Bottom 7.7% in 500M-750M tier
155
Asset Growth Rate
growth
Value:
-4.66%
Peer Avg: 4.33%
#155 of 169
Bottom 8.9% in 500M-750M tier
152
Net Charge-Off Rate
risk
Value:
1.08%
Peer Avg: 0.51%
#152 of 169
Bottom 10.7% in 500M-750M tier
137
Return on Assets (ROA)
profitability
Value:
0.22%
Peer Avg: 0.66%
#137 of 169
Bottom 19.5% in 500M-750M tier
132
Net Interest Margin (NIM)
profitability
Value:
2.99%
Peer Avg: 3.43%
#132 of 169
Bottom 22.5% in 500M-750M tier
129
Loan-to-Share Ratio
balance_sheet
Value:
71.78%
Peer Avg: 81.02%
#129 of 169
Bottom 24.3% in 500M-750M tier