BlastPoint's Credit Union Scorecard
TROPICAL FINANCIAL
Charter #68476 · FL
TROPICAL FINANCIAL has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.58% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.1% in tier
- - Liquidity Strain: Bottom 26.1% in tier
- - Credit Risk Growth: Bottom 45.2% in tier
- - Stagnation Risk: Bottom 84.1% in tier
- - Membership Headwinds: Bottom 84.1% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 3.79% above tier (higher cost structure)
- - Total Assets: Bottom 0.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits -2.4% year over year ($884M in shares and deposits).
- Membership: 62,337 members, -1.8% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 0.61%.
- Efficiency ratio 76.81% vs a 73.02% peer average.
- Loan-to-share ratio 95.17% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,337
-1.8% YoY-0.7% QoQ
|
-34.5K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$1.0B
-1.5% YoY+0.8% QoQ
|
$-721.5M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.3% in tier |
| Loans |
$841.5M
+6.7% YoY+3.4% QoQ
|
$-392.7M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$884.2M
-2.4% YoY+0.3% QoQ
|
$-579.2M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+40.7% YoY+42.0% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
4.0%
+7.7% YoY+2.2% QoQ
|
+0.6% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
76.8%
-5.1% YoY-0.7% QoQ
|
+3.8% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
0.9%
+81.2% YoY+21.2% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
95.2%
+9.3% YoY+3.1% QoQ
|
+10.5% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$27,683
+3.7% YoY+2.5% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration |
30.7%
+3.1% YoY+4.4% QoQ
|
+1.6% | 29.1% | 24.7% | 20.0% | 59% |
| Indirect Auto % |
4.5%
-31.4% YoY-6.0% QoQ
|
-13.6% | 18.1% | 10.8% | 7.7% | 23% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)