— in expenses

Tropical financial credit union (the credit union) uses income from credit union membership and from investment of members' funds to provide the foundation from which the organization can function and provide services to its restricted field of membership (persons who live or work in miami-dade, broward, palm beach, sarasota, ST lucie, martin, hendry, collier, and lee counties). The credit union offers checking/savings accounts, CDS, auto loans, home loans, personal loans, and digital banking services to its membership.