Credit union · NCUA insured
Tropical Financial Credit Union
A $995.2M credit union headquartered in Miramar, FL, with 62,758 members and 6 branches in Florida. Best rates: CDs 4.40% and savings 0.50% APY.
Tropical Financial Credit Union Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#23 of 67 in Miami, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tropical Financial Credit Union
- Headquarters
- 3050 Corporate Way, Miramar, FL 33025
- NCUA charter
- 68476
Branches
6 branches in Florida
Loading map…
Florida
6 branches
- Doral branch7975 NW 12th St, Doral, FL 33126Directions
- Fort Lauderdale5900 N Federal Hwy, Fort Lauderdale, FL 33308Directions
- Kendall10510 N Kendall Dr, Miami, FL 33176Directions
- Miramar3050 Corporate Way, Miramar, FL 33025Directions
- Plantation8247 W Sunrise Blvd, Plantation, FL 33322Directions
- West Palm Beach6786 Okeechobee Blvd, West Palm Beach, FL 33411Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.47% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.88% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.62% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $95 | $88 | — |
- CapitalNet worth ratio9.47%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.88%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$95Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Tropical Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.