TellerScore

Headquartered in Fort Lauderdale, Florida, We Florida Financial Credit Union is a federally insured state-chartered credit union with $700.5M in total assets and $624.1M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1953.

We Florida Financial Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 66th. Funding & liquidity contributes the most (90/100, 71% loans-to-deposits, 7% uninsured); earnings contributes the least (44/100, 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.73%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.65%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity90/100
Loans ÷ shares: 70.7% · 7.0% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.68%

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 12 points (56 → 68), mostly because the earnings component improved by 26 points.

TellerScore
495968Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202460
Q3 202454
Q4 202449
Q1 202551
Q2 202556
Q3 202562
Q4 202563
Q1 202665
Q2 202668
Net worth ratio
7.00%8.87%10.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.41%
Q3 202410.25%
Q4 20249.68%
Q1 20259.71%
Q2 20259.93%
Q3 202510.18%
Q4 202510.32%
Q1 202610.41%
Q2 202610.73%
Delinquent loans (60+ days)
0.63%0.93%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20240.99%
Q4 20241.24%
Q1 20251.09%
Q2 20250.94%
Q3 20250.73%
Q4 20250.63%
Q1 20260.64%
Q2 20260.65%
Return on assets
-0.40%0.09%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.10%
Q3 2024-0.24%
Q4 2024-0.39%
Q1 2025-0.40%
Q2 2025-0.06%
Q3 20250.22%
Q4 20250.25%
Q1 20260.41%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$700.5M10.73%0.65%0.59%70.7%
Q1 202665$709.0M10.41%0.64%0.41%69.8%
Q4 202563$702.0M10.32%0.63%0.25%73.7%
Q3 202562$719.5M10.18%0.73%0.22%71.8%
Q2 202556$723.3M9.93%0.94%-0.06%76.2%
Q1 202551$734.5M9.71%1.09%-0.40%79.8%
Q4 202449$744.2M9.68%1.24%-0.39%84.2%
Q3 202454$754.6M10.25%0.99%-0.24%86.2%
Q2 202460$760.2M10.41%0.65%0.10%88.9%

1,341 peers · $100 million – $1 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).

Capital ratio10.73%
40th
Problem loans0.65%
52nd
Net charge-offs0.85%
14th
Return on assets0.59%
38th
Loans to deposits70.7%
60th
Uninsured deposits7.0%
39th
Loan-loss reserves0.00%
50th
Texas ratio6.7%
27th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Innovations Financial Credit UnionCredit union Panama City, FL67 out of 100, Moderate$696.1M9.5%0.14%vs
Radifi Federal Credit UnionCredit union Jacksonville, FL62 out of 100, Moderate$715.2M9.6%0.45%vs
Insight Credit UnionCredit union Winter Springs, FL58 out of 100, Moderate$629.1M10.2%1.13%vs
Floridacentral Credit UnionCredit union Tampa, FL56 out of 100, Moderate$621.8M7.8%0.69%vs
Champions First Credit UnionCredit union Tallahassee, FL60 out of 100, Moderate$540.7M10.8%1.27%vs
Tampa Bay Federal Credit UnionCredit union Tampa, FL52 out of 100, Below average$493.9M10.5%1.78%vs

Deposit insurance

Is my money safe at We Florida Financial Credit Union?

Yes. We Florida Financial Credit Union is a federally insured credit union (NCUA charter #61525). 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 7.0% of shares and deposits ($43.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

We Florida Financial Credit Union lists 6 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
We Florida Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61525
RSSD ID
56799
Primary regulator
State + NCUA
Established
1953
Headquarters
PO Box 14548, Fort Lauderdale, FL 33302
Employees
116

Quick answers

We Florida Financial Credit Union: common questions

Is We Florida Financial Credit Union NCUA insured?

Yes. We Florida Financial Credit Union is a federally insured credit union (NCUA charter #61525). 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 We Florida Financial Credit Union's TellerScore?

68 out of 100 (Moderate), 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 We Florida Financial Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Lauderdale

InstitutionScoreAssetsCapitalProblem loansCompare
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Shaw-Ross Employees Credit UnionCredit union Miami, FL81 out of 100, Strong$6.8M14.9%0.53%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs