Dade County Federal Credit Union is a federal credit union headquartered in Sweetwater, Florida, in business for about 35 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.2B in member shares and deposits, with 10 offices.
Dade County Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 93% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 14th. Problem-loan coverage contributes the most (96/100, 1.8%); funding & liquidity contributes the least (68/100, 93% loans-to-deposits, 10% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (81 → 84), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 79 |
| Q1 2025 | 81 |
| Q2 2025 | 81 |
| Q3 2025 | 81 |
| Q4 2025 | 78 |
| Q1 2026 | 83 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.76% |
| Q3 2024 | 11.80% |
| Q4 2024 | 12.26% |
| Q1 2025 | 12.37% |
| Q2 2025 | 12.66% |
| Q3 2025 | 12.81% |
| Q4 2025 | 12.39% |
| Q1 2026 | 12.82% |
| Q2 2026 | 13.09% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.40% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.31% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.34% |
| Q4 2024 | 1.38% |
| Q1 2025 | 1.43% |
| Q2 2025 | 1.46% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.51% |
| Q2 2026 | 1.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $1.5B | 13.09% | 0.31% | 1.69% | 92.6% |
| Q1 2026 | 83 | $1.5B | 12.82% | 0.25% | 1.51% | 89.6% |
| Q4 2025 | 78 | $1.5B | 12.39% | 0.40% | 1.24% | 91.4% |
| Q3 2025 | 81 | $1.5B | 12.81% | 0.29% | 1.41% | 91.8% |
| Q2 2025 | 81 | $1.4B | 12.66% | 0.35% | 1.46% | 91.4% |
| Q1 2025 | 81 | $1.4B | 12.37% | 0.25% | 1.43% | 90.8% |
| Q4 2024 | 79 | $1.4B | 12.26% | 0.32% | 1.38% | 90.3% |
| Q3 2024 | 78 | $1.4B | 11.80% | 0.34% | 1.34% | 89.7% |
| Q2 2024 | 77 | $1.4B | 11.76% | 0.36% | 1.19% | 85.1% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Florida Credit UnionCredit union Jacksonville, FL | 72 out of 100, Strong | $1.5B | 12.9% | 0.65% | vs |
| Community Credit Union of FloridaCredit union Rockledge, FL | 70 out of 100, Strong | $1.4B | 11.3% | 0.22% | vs |
| Launch Credit UnionCredit union Merritt Island, FL | 54 out of 100, Below average | $1.4B | 9.3% | 0.95% | vs |
| Usf Federal Credit UnionCredit union Tampa, FL | 60 out of 100, Moderate | $1.4B | 10.6% | 0.77% | vs |
| Gulf Winds Credit UnionCredit union Pensacola, FL | 69 out of 100, Moderate | $1.4B | 9.9% | 0.44% | vs |
| Publix Employees Federal Credit UnionCredit union Lakeland, FL | 74 out of 100, Strong | $1.8B | 11.3% | 0.48% | vs |
Deposit insurance
Is my money safe at Dade County Federal Credit Union?
Yes. Dade County Federal Credit Union is a federally insured credit union (NCUA charter #24508). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 9.9% of shares and deposits ($117.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 13.09%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
10 locations
Branches
Dade County Federal Credit Union lists 10 offices in 7 cities. Most locations:
- Miami, FL (3)
- Sweetwater, FL (2)
- Cutler Bay, FL (1)
- Hialeah, FL (1)
- Homestead, FL (1)
- Miami Gardens, FL (1)
- Pembroke Pines, FL (1)
HMDA 2025
Mortgage lending
In 2025, Dade County Federal Credit Union reported 625 home-loan applications under HMDA (LEI 254900EL5N0NK8M96118): 296 originated ($57,540,000 total), 251 denied, and 78 withdrawn or closed by the applicant. Its denial rate on decided applications was 45.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Dade County Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24508
- RSSD ID
- 94193
- Primary regulator
- NCUA
- Established
- 1991
- Headquarters
- 1500 NW 107th Ave, Sweetwater, FL 33172
- Employees
- 255
Quick answers
Dade County Federal Credit Union: common questions
Is Dade County Federal Credit Union NCUA insured?
Yes. Dade County Federal Credit Union is a federally insured credit union (NCUA charter #24508). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Dade County Federal Credit Union's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Dade County Federal Credit Union have?
10 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sweetwater
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL | 81 out of 100, Strong | $14.2M | 22.9% | 0.04% | vs |
| Shaw-Ross Employees Credit UnionCredit union Miami, FL | 81 out of 100, Strong | $6.8M | 14.9% | 0.53% | vs |
| Guardians Credit UnionCredit union West Palm Beach, FL | 80 out of 100, Strong | $309.5M | 14.7% | 0.42% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |