# FINANCIAL
MIAMI, FL · NCUA charter 2149 · asset band $50-100M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/financial-2149

Who the members are: federal charter, multiple common bond, organized 1937. 6,759 members of 99,000 potential (6.8% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 144.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $50.7M |
| Members | 6,759 (2.1% YoY) |
| Full-time staff | 14 |
| Net worth | $8.2M |
| Net worth ratio | 16.1% (p90 of band) |
| ROA (annualized) | -0.27% (p7 of band) |
| Total delinquency | 0.88% (p61 of band) |
| Net charge-offs (annualized) | 1.64% (p96 of band) |
| Loans / shares | 36% (p8 of band) |
| Cash / assets | 18.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.32% (p17 of band) |
| Operating expense / assets | 4.20% (p75 of band) |
| Vehicles % of loans | 36% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 0.31% (p33 of band) |
| Vehicle NCO | 3.87% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 15% |
| Unsecured % of loans | 27% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 2% |
| Average share balance | $3,580 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 144% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $1,573 |
| Loans granted, annualized | $4.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 2 |  | delinquency 2x band |
| 2016-09 | 2 |  |  |
| 2016-12 | 0 |  | losing money, charge-offs p90 |
| 2017-03 | 4 | losing money, charge-offs p90, assets shrinking, members leaving |  |
| 2017-06 | 5 | delinquency rising, loan book shrinking | members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [Addition Financial Credit Union and Florida A&M University Announce Partnership to Support Student Success - Florida A&M University - FAMU](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQcFpTYTRWNEZtWVI4WXR6THNKQTM5SGlBNDA1U2NOWHNTWjJPTDIxMUE3X3RDVXhNNjlqZUI1Zmo1UnE5eUc5OGRMamxXbDJCdzdfYmR2VDB6NXhoakpSMjJuVWdxR0ZKNkZCU0Q5bkI2U2g3R2xsSlphbHR3TkRmLV9FQl82eVBUR3hVNTE0d29MWUdGRkU5WVdYaldlTl9lVm5TSlVaZFZjdkJlOXM0S3ZxT3ktS05Zb29obFZsUmlZNVVLdS0tTEozUkd6dUREbnc?oc=5) · Florida A&M University - FAMU
- 2026-09-03 [Tropical Financial Credit expands South Florida branch network with new location in Hialeah - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxQYThhOGotMk50MVM1T2psOTUzRWJBemV3OFFwUjJYa1VpcHBvb3lwSFktdURwV1M4b2VxMk8zeTlsenlYcEtMTFNBX0xoaUJQQVBLZ0wwMmRzUWhUVjNQOU44SzVYMUZpMThCckU2b295TnZfaC1rNmVtWkxkU2hGbUZWMmtQWWM2VkN6dlpTcmZBVXdxQXYzUldxb0lGcnhYanRPSjBMb04zemE1R2gzN1hNTTVVN2sxREZpODhpeVU2c1Ytb2dMM3R2aGg?oc=5) · CUInsight
- 2026-09-02 [Tropical Financial Credit Union opens Hialeah branch - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPR201Q0NUMzNmQ0djXzNxMktRcFFMSklFU0dWMXdXWGo5WkpidnN5X2ZBcDJpQmFBMWRCRW5iZUVUd0t0T29ESGpQVGE3UWpHdGtXNUhyVHZTd3N0T1N0b3BOYzI1LTRaTWl4dUlVeGlvMVNJSUpPRU53bzl1VEVGcDZNWXN0YnFUbEVYc3dmNWtwTlZ1MkFsV3R4eWtlRlk?oc=5) · The Business Journals
- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News & World Report
- 2026-03-03 [Addition Financial Credit Union releases statement addressing recent banking systems conversion - WCTV](https://news.google.com/rss/articles/CBMixgFBVV95cUxPQnYzS3VJc0JxM3V0bklpWDJVRXJwYXZnbW5TREI2SmZMRW1ST1R5dXpIR3lUN1RVZjh6ZkRFZWFCMUNSS0R2S21QampQeUFlcEpBeTJjNEtUSE0yMnprRGxXVzBvMWotZVc1Q1NoUVpvLXJEM2w5T0ZDVVBObElHSDh5U21vVGNFY1cyamZvdnlWRXZQRWsyU1hCT3NQTzZnY1BDQXVFa0MwTmpwbG1iakdUVWRLM1dXTGpTall6Q2pfd2dfMVE?oc=5) · WCTV
- 2025-12-18 [Tropical Financial Credit Union expands to Manatee County - TBBW](https://news.google.com/rss/articles/CBMiggFBVV95cUxNWWdjWERUeFhiNXFvSHZhYUhtb2VIdGQzejRTaFFDVy1Oem5VS0c2d2V2VXRpVHF6OHloeGJtdjVacjNmWlV4eE9raGxzM2pjSVhlbEpTeVdIWDB4clFuNzJZWnlBVGhHWHhaWVB1TGpWMF9wYmxvVEtoX25KRC1MZF93?oc=5) · TBBW
- 2026-06-15 [Florida's Power Financial Credit Union taps NCR Atleos Allpoint network - FinTech Futures](https://news.google.com/rss/articles/CBMiigFBVV95cUxNNXJVTGRIejkwT2U5UHkweGNWbHdzaHg2MURtTzVlUFY1TXpfLVFLZ3J5ZHhkSV90ZjFzMW5LTk5YeG1vSEtnNFMtQldpVWlnSk1iMThMSjVLX1ZsRnVFQVFPMTNHOGhVeVlkSHA5N1E5cC1KT2NyY2ZpcmJjYWJELU9FUTVWQXgzbEE?oc=5) · FinTech Futures
- 2026-07-30 [CAMPUS USA Credit Union surpasses $4 billion in assets - Mainstreet Daily News Gainesville](https://news.google.com/rss/articles/CBMiigFBVV95cUxQa01iOFdoNmQ0dzVZNkZILVVUTGJSalhTNHdGVW12bUVhNG5ha19VZzVlRWQ3Z1VYUDdHcnFoZC1CY0w2aE5BM0R2ZlJYWVhIYU40QldScldIbUdyRk5qZ0RHNEFtLTBGcUQtak1rS2ZEVzZqNHdQNWdWczNvYVlMSTZxNl96Tlpwd1E?oc=5) · Mainstreet Daily News Gainesville

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2149 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "2149", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=2149
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide