credit union · NCUA 68476 · FL
How big is TROPICAL FINANCIAL?
TROPICAL FINANCIAL (FL, NCUA charter 68476) reported total assets of $1.0B, 62,337 members and a net worth ratio of 9.47% in its Call Report for 2026Q2. That ranks 478 of 4,299 federally insured credit unions by assets, 453 of 454 among credit unions with $1b-$10b in assets, 30 of 107 credit unions in florida.
What stands out
TROPICAL FINANCIAL (FL, NCUA charter 68476) reported total assets of $1.0B, 62,337 members and a net worth ratio of 9.47% in its Call Report for 2026Q2. That ranks 478 of 4,299 federally insured credit unions by assets, 453 of 454 among credit unions with $1b-$10b in assets, 30 of 107 credit unions in florida. Against its size class: net worth ratio 9.47%, below the peer median of 10.89%; loan-to-share ratio 95.17%, above the peer median of 88.03%; return on assets 0.61%, below the peer median of 0.80%. At 9.47% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $1.0B | $2.1B | $189.2M | $68.3M | record → |
| Shares and deposits | $884.2M | $1.8B | $167.8M | $58.3M | record → |
| Loans outstanding | $841.5M | $1.5B | $130.1M | $34.4M | record → |
| Net income (year to date) | $3.1M | $8.3M | $776.9k | $222.2k | record → |
| Net worth | $95.0M | $244.6M | $23.7M | $9.0M | record → |
| Net worth ratio | 9.47% | 10.89% | 11.17% | 12.65% | record → |
| Loan-to-share ratio | 95.17% | 88.03% | 74.14% | 68.70% | computed |
| Return on assets | 0.61% | 0.80% | 0.60% | 0.71% | computed |
| Members | 62,337 | 115,183 | 13,919 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $1.0B | $884.2M | $841.5M | $3.1M | 9.47% | 62,337 | 478 |
| 2026Q1 | $995.2M | $881.3M | $813.8M | $1.1M | 9.34% | 62,758 | 476 |
| 2025Q4 | $984.1M | $875.4M | $808.2M | $5.5M | 9.34% | 63,033 | 472 |
| 2025Q3 | $992.2M | $877.8M | $817.1M | $3.7M | 9.15% | 63,200 | 468 |
| 2025Q2 | $1.0B | $905.9M | $788.8M | $2.2M | 8.77% | 63,482 | 456 |
| 2025Q1 | $1.0B | $910.8M | $770.6M | $1.3M | 8.67% | 66,693 | 458 |
| 2024Q4 | $983.9M | $879.2M | $786.6M | $-2.6M | 8.85% | 66,932 | 461 |
| 2024Q3 | $984.1M | $878.9M | $792.4M | $-4.0M | 8.77% | 67,309 | 457 |
| 2024Q2 | $974.3M | $865.5M | $768.8M | $440.7k | 9.32% | 67,326 | 458 |
| 2024Q1 | $973.8M | $868.8M | $755.5M | $108.1k | 9.29% | 67,727 | 456 |
| 2023Q4 | $966.6M | $867.0M | $789.3M | $304.6k | 9.29% | 68,154 | 453 |
| 2023Q3 | $997.2M | $886.2M | $810.8M | $3.2M | 9.37% | 68,547 | 432 |
| 2023Q2 | $1.0B | $893.0M | $824.3M | $2.9M | 9.28% | 68,516 | 424 |
| 2023Q1 | $1.0B | $910.7M | $835.3M | $1.5M | 9.02% | 67,761 | 426 |
| 2022Q4 | $988.1M | $885.8M | $831.5M | $6.8M | 9.15% | 67,723 | 430 |
| 2022Q3 | $990.3M | $883.0M | $820.6M | $4.1M | 8.85% | 68,975 | 424 |
| 2022Q2 | $1.0B | $901.0M | $794.0M | $2.5M | 8.55% | 67,809 | 416 |
| 2022Q1 | $1.0B | $904.8M | $759.6M | $1.3M | 8.43% | 67,084 | 414 |
| 2021Q4 | $964.0M | $870.2M | $720.2M | $6.8M | 8.67% | 69,617 | 423 |
| 2021Q3 | $965.4M | $865.9M | $695.9M | $5.0M | 8.46% | 68,520 | 412 |
| 2021Q2 | $939.3M | $845.8M | $665.0M | $3.2M | 8.51% | 67,187 | 416 |
| 2021Q1 | $927.3M | $837.1M | $640.4M | $1.5M | 8.43% | 66,315 | 417 |
| 2020Q4 | $877.7M | $791.7M | $649.2M | $2.9M | 8.74% | 66,053 | 420 |
| 2020Q3 | $873.6M | $783.3M | $655.7M | $1.6M | 8.62% | 66,115 | 411 |
| 2020Q2 | $857.8M | $771.3M | $628.3M | $523.9k | 8.66% | 66,056 | 412 |
| 2020Q1 | $792.0M | $707.9M | $619.4M | $444.2k | 9.37% | 66,008 | 416 |
| 2019Q4 | $741.3M | $660.8M | $613.7M | $3.5M | 9.95% | 65,331 | 429 |
| 2019Q3 | $747.6M | $661.2M | $584.6M | $2.7M | 9.76% | 65,003 | 420 |
| 2019Q2 | $749.8M | $667.1M | $568.3M | $1.9M | 9.62% | 64,268 | 416 |
| 2019Q1 | $730.6M | $650.2M | $568.7M | $1.0M | 9.75% | 63,417 | 424 |
| 2018Q4 | $692.2M | $615.6M | $568.6M | $3.2M | 10.13% | 62,483 | 429 |
| 2018Q3 | $712.0M | $630.3M | $549.7M | $2.3M | 9.72% | 61,988 | 419 |
| 2018Q2 | $724.3M | $645.9M | $521.3M | $1.5M | 10.42% | 61,642 | 413 |
| 2018Q1 | $722.4M | $646.1M | $515.4M | $779.1k | 10.36% | 61,470 | 412 |
| 2017Q4 | $695.7M | $622.2M | $519.8M | $1.6M | 9.59% | 61,570 | 414 |
| 2017Q3 | $700.5M | $621.8M | $516.5M | $1.2M | 9.43% | 60,903 | 408 |
| 2017Q2 | $657.7M | $589.5M | $483.9M | $915.0k | 8.93% | 54,313 | 421 |
| 2017Q1 | $685.4M | $619.8M | $475.1M | $246.3k | 8.47% | 54,019 | 405 |
| 2016Q4 | $654.7M | $591.8M | $455.5M | $3.1M | 8.79% | 53,549 | 409 |
| 2016Q3 | $657.9M | $590.2M | $448.3M | $2.2M | 8.61% | 53,712 | 401 |
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