# DADE COUNTY
Sweetwater, FL · NCUA charter 24508 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dade-county-24508

Who the members are: federal charter, community charter, organized 1991, low-income designated, minority depository institution. 110,379 members of 4,500,000 potential (2.5% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.52B |
| Members | 110,379 (3.1% YoY) |
| Full-time staff | 254 |
| Net worth | $189.6M |
| Net worth ratio | 12.4% (p75 of band) |
| ROA (annualized) | 1.51% (p93 of band) |
| Total delinquency | 0.25% (p11 of band) |
| Net charge-offs (annualized) | 0.38% (p33 of band) |
| Loans / shares | 90% (p60 of band) |
| Cash / assets | 4.4% |
| Borrowings / assets | 8.76% |
| Net interest margin | 3.94% (p87 of band) |
| Operating expense / assets | 3.73% (p76 of band) |
| Vehicles % of loans | 42% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 120% (p44 of band) |
| Vehicle delinquency | 0.19% (p10 of band) |
| Vehicle NCO | 0.48% (p16 of band) |
| Repossessed % of vehicle book | 0.07% (p48 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 161% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 30% |
| Average share balance | $6,194 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $60.2M |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $23,869 |
| Loans granted, annualized | $360.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $60.2M outstanding purchased (31.8% of net worth), $28.5M sold and retained. Sold in 4 and bought in 0 of the last 8 quarters. Shares 8.6% year over year.

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 4 | net worth falling, margin squeeze | losing money |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | expense trap |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 2 | expense trap |  |
| 2023-03 | 1 |  | expense trap |
| 2023-06 | 1 | expense trap | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | leaning on borrowings | expense trap |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | 3rd-party paper>100% NW |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-07-27 [Dade County Federal Credit Union awards $18,000 to 12 graduates - communitynewspapers.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQMjRjbmdRd3laLXA5YllYY0xjNF9Pc3Qwc090Q3NweGtPM3cwdlRRSkQ1cFQyRjlJVjJvTEt3X0lkUE1TbGpVM1RWbUxMd1hNeU5DOEFVTTVpQmY0bHRzdzFaWXVQTnBiTkZmNTdka29SajhuT3g3cm16MVU4VnVCOExIM295elpZM2FFZEpVQVliaDhJUlBpejBTUzNSNmpQN3lnOG9YeUJ2XzQ?oc=5) · communitynewspapers.com
- 2026-07-28 [Dade County FCU Modernizes Loan Infrastructure with Alacriti Real-Time Payments - FF News](https://news.google.com/rss/articles/CBMipgFBVV95cUxNOHNvbmdsZ25XZVlCay13Zm9HU3hKa05teFJ3TlAtbDF5bFpzOW85Y2Y4N29TazZJSGF3ellvazRxTVprMTd6YVJLbEdvU0x3aVI5eEpEbzNsUVNmWnJUZHMtMWIydUhVMmo4cUlMWDN6YTFzWDNham9hNUpsdms1ZXhIOGhJMml2dWlTUDJGVnVPQ0NtZkFrTFhab0VxSVgxcTdOeU13?oc=5) · FF News
- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2025-07-21 [Public Hearing on Dade County FCU Request for a Community Charter Expansion - NCUA (.gov)](https://news.google.com/rss/articles/CBMiogFBVV95cUxNaG5jczUxNFlrVk1YdnRaMm9Ib3dNTGQ5OWpLbFREZ2xwbVhoMXdGR1JWM1dDUXVhQ00ycExzY2NneGFiODhiem5SNWUxNkZoRHZzQXFIUUM4alpLYnlZQnFXX0o3NjZMUWprVjc3a0V3U0p6ck5URTZ3Vjk5NTVHVmstQXNKclM2Z09BcWpBSnNuRjNWTFhLdlR2b0xHUFJEQlE?oc=5) · NCUA (.gov)
- 2026-03-03 [City of Sweetwater names stretch of Northwest 15th Street for Detective Harry Wright - citizenportal.ai](https://news.google.com/rss/articles/CBMigAJBVV95cUxQVnlTa3ptXzNRVmlodDVkazhieXpmWUpzUVpGNmVqbEQwMl9BOXBpTElOdnMzUUh1N1VTSzFlWGNVRWJIOTdjd0R0c0s3NGVaUFh4UVFzU3VaNTdQbm5ubmpvTGlYLTh1RXhHQ0k1YWdzcHowSnRqcXVOS1VvT2ZHLUNkcWxJZGZScjhZZWlJVXdacXpmZDRUa21oT2l4eGtYRlZLbGF6WXlkdV9WYjI4dDliS3VEX2ZLUlJjZkE5OEZhUk1uenBCYWowRHU2Y1dDbmNYXzJTbkp1WnM2NzhCWGxyYkthTEFJMk1BVjhLZ2IxZVdqX2U3ZTE2Wmx4Tl9u?oc=5) · citizenportal.ai
- 2024-12-17 [Dade County Federal Credit Union hosts 2nd annual toy drive in Sweetwater - WSVN](https://news.google.com/rss/articles/CBMiswFBVV95cUxOemZzWjdmR2VMajdxYmpHRmZXeVZYRnR6UFItalNpY1FFSE83N1ZRckhxRFBJczk5RlE3aDdDVFB2LWYtNGtjdzBNa3BQaW9TZmlkRmxaZk56N2x6dHVFTDRhWVQtZ3BtTlpWZEZPejNTbkl5VzJKRFREUGg2QjdqMk5lQ3dEdXBPdjFRSkh5NUk5Um5RLThsOE1EU3g1aHRSNDlLQ2ZIXzNZNi1DSmwtLWpKNA?oc=5) · WSVN
- 2024-02-22 [Credit union to open 1st Broward County branch in Pembroke Pines - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQS190UnFmOFVFQ2tHd01IelRlN3N2QVBDQjI2WWJ5bEczV0Q1UUJuN1o5ZTU0M21oUjE2TkZzMUhvZy1teGVPS3BBM09XS1RvNjhFMnBuMHVwdnptSGFoTVFkcjdPbTdFdU5vSk15ZTVlVmRmY2Zlbm5KenJpSTJQbjdVM2JFVUg5UDBMMko3OHlCYVBWcjdyUVdSQlJnVk1f?oc=5) · The Business Journals
- 2018-10-31 [Dolphins Take Elementary School Students to Halloween Shop With A Fin Presented by Dade County Federal Credit Union - Miami Dolphins](https://news.google.com/rss/articles/CBMitgFBVV95cUxQVWhYVk54eEthVmROLUc2OUVDTTAyTG9PZEI3MEtLUlV1dUZoRVNhUng1U1I2S1BFQV8tX1hMQVlZbk43NWNONXREbHBXb25ybWZOS2VHcHJpMDc0U2FYLXZ2Rk5ReVRSY1EyVFNEMExHZ0htb0ZlbEtFVDJTRVhiYWdfalZOQ2xQVW54ZUZvYW85RmtuSWQwNXV2SElLaTcyYkZ2Wm9NeThoazc1UTFzVXM5WUNsUQ?oc=5) · Miami Dolphins

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24508 (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/60.json (key "24508", 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=24508
- 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