Credit unions · Florida · Q2 2026
Tropical Financial CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $1.00B |
| Total loans & leases | $842M |
| Total shares & deposits | $884M |
| Members | 62,340 |
| Net worth | $95.0M |
| Net worth / assets | 9.47% |
| Loans / assets | 83.91% |
| Return on assets (annualized) | 0.61% |
| Loan growth (YoY) | 6.68% |
| Member growth (YoY) | −1.80% |
| Delinquency, all loans (60+ days) | 0.88% |
| Charter | State charter (federally insured) |
| Asset band | $1B–$5B |
| NCUA peer group | over $500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
Tropical Financial CU uses Faraday AI predictive modeling on a daily feed of its own member data to drive personalized web pages and product offers, with resulting leads passed to staff for follow-up. No public evidence was found of AI making decisions inside processes such as lending, collections or contact-centre routing.
- MARKETech: Tropical Financial CU Gives Members PURLs of Wisdom “the credit union also uses artificial intelligence (AI) modeling software from Faraday to help ensure that the content with which members are presented makes sense”