Campus USA Credit Union Jonesville, Florida
Campus USA Credit Union is a state-chartered credit union headquartered in Jonesville, FL, established in 1935 (NCUA charter 68391), and it is regulated and insured by the NCUA. At Q2 2026 it reported 164,703 members and total assets of $4.04B (up 10.7% from Q2 2025), the 6th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 12.25% at Q2 2026, in the well capitalized band.
Trade names filed with the NCUA: CAMPUS, Campus USA and Campus USA Cu
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68391
- Headquarters
- Jonesville, FL
- Established
- 1935
- Total assets, Q2 2026
- $4.04B
- Assets vs Q2 2025
- +10.7%
- Members, Q2 2026
- 164,703
- Net worth ratio, Q2 2026
- 12.25%
- Latest call report
- Q2 2026, NCUA 5300 · Campus USA Credit Union call report
- Asset rank in state
- 6th of 106 in Florida
- Routing number
- 263178478
- Branches
- 23
It has 5,259 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was down 0.03 percentage points from 12.28% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.09B of $3.36B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.38% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.25% net worth ratio is above that band's 10.89% median.
Frequently asked about Campus USA Credit Union
How big is Campus USA Credit Union?
At Q2 2026 it reported total assets of $4.04B and 164,703 members.
Where is Campus USA Credit Union headquartered?
It is headquartered in Jonesville, FL, United States.
When was Campus USA Credit Union founded?
It was established in 1935, per NCUA records.
Is Campus USA Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68391): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Campus USA Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Campus USA Credit Union well capitalized?
Its net worth ratio was 12.25% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Campus USA Credit Union's delinquency ratio?
Its delinquency ratio was 0.38% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Campus USA Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 98.29% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Jonesville, FL 32669
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 68391
- RSSD ID
- 79677
- Members
- 164,703
- Potential members
- 8,921,299
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.25% | 10.89% | 70th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.34% | 0.89% | 79th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.97% | 8.07% | 75th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.98% | 3.45% | 23rd bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 57.90% | 70.59% | 87th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.04% | 1.68% | 23rd bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.38% | 0.68% | 83rd top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.02% | 5.12% | 44th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 98.29% | 88.03% | 82nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.04B total assets against $3.65B; $3.42B total shares and deposits against $3.11B; $3.36B total loans against $2.95B.
$495.4M net worth against $449.0M.
12.25% net worth ratio against 12.28%.
98.29% loan-to-share ratio against 94.95%.
0.38% delinquency ratio against 0.43%.
1.34% return on assets against 1.20%; 10.97% return on equity against 9.76%.
2.98% net interest margin against 2.94%.
164,703 members against 169,962.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.25% | 1.34% | 0.38% | 98.29% |
| March 31, 2026 | 12.15% | 1.20% | 0.35% | 96.03% |
| December 31, 2025 | 12.20% | 1.21% | 0.43% | 96.62% |
| September 30, 2025 | 12.40% | 1.40% | 0.41% | 97.35% |
| June 30, 2025 | 12.28% | 1.20% | 0.43% | 94.95% |
| March 31, 2025 | 12.43% | 1.25% | 0.40% | 96.55% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.