TROPICAL FINANCIAL

Charter #68476 | FL

750M-1B (112 CUs) Community (281 CUs)
5 750M-1B in FL

TROPICAL FINANCIAL has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.0% in tier
  • + Wallet Share Momentum: Top 7.3% in tier
  • + Net Interest Margin 0.45% above tier average
  • + Total Assets: Top 1.8% in tier
  • + Total Loans: Top 1.8% in tier
  • + Total Deposits: Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 5.0% in tier
  • - Stagnation Risk: Bottom 5.8% in tier
  • - Liquidity Strain: Bottom 23.6% in tier
  • - Efficiency Drag: Bottom 29.4% in tier
  • - ROA 0.22% below tier average
  • - Efficiency ratio 5.81% above tier (higher cost structure)
  • - Member decline: -6.1% YoY
  • - Member Growth Rate: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 63,200
-6.1% YoY-0.4% QoQ
 +11.1K 52,114
-2.1% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Top 23.2% in tier
Assets $992.2M
+0.8% YoY-2.5% QoQ
 +$133.2M $859.0M
+0.0% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Top 2.7% in tier
Loans $817.1M
+3.1% YoY+3.6% QoQ
 +$213.8M $603.4M
+1.0% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 2.7% in tier
Deposits $877.8M
-0.1% YoY-3.1% QoQ
 +$143.7M $734.2M
+0.9% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 3.6% in tier
ROA 0.5%
-188.4% YoY+11.8% QoQ
 -0.2% 0.7%
+27.6% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 3.8%
-0.7% YoY+3.0% QoQ
 +0.4% 3.4%
+9.6% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Top 23.2% in tier
Efficiency Ratio 80.3%
+0.9% YoY-0.7% QoQ
 +5.8% 74.5%
-3.2% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 68th in tier
Delinquency Rate 0.5%
-37.6% YoY-0.8% QoQ
 -0.3 0.8%
+5.0% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 28th in tier
Loan To Share 93.1%
+3.2% YoY+6.9% QoQ
 +10.4% 82.7%
+0.1% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Top 25.0% in tier
AMR $26,819
+8.0% YoY+0.5% QoQ
 $-2K $28,651
+2.5% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 53rd in tier
CD Concentration 28.2%
-1.4% YoY-5.3% QoQ
 +3.8% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 65th in tier
Indirect Auto % 5.8%
-27.6% YoY-12.6% QoQ
 -8.2% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 47th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#138 of 1006 • Top 5.0% in tier

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

Why This Signature
AMR Growth (YoY): 8.01%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#202 of 1006 • Top 7.3% in tier

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

Why This Signature
AMR Growth (YoY): 8.01%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline
#83 of 550 • Bottom 5.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.10%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#97 of 550 • Bottom 5.8% 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: 0.49%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -6.10%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.8K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 28.16%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Strain

risk
#184 of 258 • Bottom 23.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.09%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.12%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Efficiency Drag

risk
#519 of 521 • Bottom 29.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.33%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 1.04% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -6.10%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 112 peers in tier

Top Strengths (8 metrics)

3
Total Assets
balance_sheet
Value: $992.16M
Peer Avg: $859.01M
#3 of 112 Top 1.8% in 750M-1B tier
3
Total Loans
balance_sheet
Value: $817.12M
Peer Avg: $603.36M
#3 of 112 Top 1.8% in 750M-1B tier
4
Total Deposits
balance_sheet
Value: $877.82M
Peer Avg: $734.17M
#4 of 112 Top 2.7% in 750M-1B tier
21
AMR Growth Rate
growth
Value: 8.01%
Peer Avg: 4.90%
#21 of 112 Top 17.9% in 750M-1B tier
26
Net Interest Margin (NIM)
profitability
Value: 3.83%
Peer Avg: 3.38%
#26 of 112 Top 22.3% in 750M-1B tier
26
Total Members
engagement
Value: 63,200
Peer Avg: 52,114
#26 of 112 Top 22.3% in 750M-1B tier
27
First Mortgage Concentration (%)
balance_sheet
Value: 22.94%
Peer Avg: 33.64%
#27 of 112 Top 23.2% in 750M-1B tier
28
Loan-to-Share Ratio
balance_sheet
Value: 93.09%
Peer Avg: 82.66%
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (5 metrics)

105
Member Growth Rate
growth
Value: -6.10%
Peer Avg: 1.14%
#105 of 112 Bottom 7.1% in 750M-1B tier
101
Deposit Growth Rate
growth
Value: -0.12%
Peer Avg: 5.03%
#101 of 112 Bottom 10.7% in 750M-1B tier
97
Fee Income Per Member
profitability
Value: $131.18
Peer Avg: $204.75
#97 of 112 Bottom 14.3% in 750M-1B tier
89
Net Worth Ratio
risk
Value: 9.15%
Peer Avg: 11.52%
#89 of 112 Bottom 21.4% in 750M-1B tier
85
Asset Growth Rate
growth
Value: 0.82%
Peer Avg: 4.25%
#85 of 112 Bottom 25.0% in 750M-1B tier