Credit Union Safety Analysis
Is Campus USA Credit Union Safe? Jonesville, Florida
Based on its Q2 2026 NCUA 5300 call report, Campus USA Credit Union has a net worth ratio of 12.25%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.38%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Campus USA Credit Union's net worth ratio is 12.25%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.25%
- Delinquency ratio (60+ days) (Q2 2026): 0.38%
- Return on assets (Q2 2026): 1.34%
- Loan-to-share ratio (Q2 2026): 98.29%
Campus USA Credit Union (NCUA charter 68391, established 1935) reported $4.04B in assets and 164,703 members for Q2 2026 from Jonesville, Florida. It ranks 6 of 106 credit unions in Florida by total assets. Total assets grew 10.7% from $3.65B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.15% for Q1 2026; 12.28% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.35% for Q1 2026; 0.43% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.20% for Q1 2026; 1.20% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 96.03% for Q1 2026; 94.95% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.09B
- Used vehicle loans: $933.1M
- New vehicle loans: $599.5M
- Commercial loans: $450.4M
- Other secured non-real estate loans and lines of credit: $157.5M
- Other unsecured loans and lines of credit: $78.1M
- Unsecured credit card loans: $52.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.04B | 12.25% | 0.38% | 1.34% | 98.29% |
| March 31, 2026 | $3.97B | 12.15% | 0.35% | 1.20% | 96.03% |
| December 31, 2025 | $3.85B | 12.20% | 0.43% | 1.21% | 96.62% |
| September 30, 2025 | $3.72B | 12.40% | 0.41% | 1.40% | 97.35% |
| June 30, 2025 | $3.65B | 12.28% | 0.43% | 1.20% | 94.95% |
| March 31, 2025 | $3.52B | 12.43% | 0.40% | 1.25% | 96.55% |
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Free to use. It shows Campus USA Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Campus USA Credit Union profile
Regulator records: NCUA credit union profile (charter 68391) · FFIEC NIC profile (RSSD 79677)
Frequently asked questions
Is Campus USA Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Campus USA Credit Union's net worth ratio is 12.25%, above the 7% NCUA threshold for well capitalized.
Is Campus USA Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Campus USA Credit Union is a federally insured credit union (NCUA charter 68391): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Campus USA Credit Union's key safety ratios?
For Q2 2026, Campus USA Credit Union reports net worth 12.25%, delinquency 0.38%, ROA 1.34%, loan-to-share 98.29%.
What happens to my money if Campus USA Credit Union fails?
For Q2 2026, Campus USA Credit Union held $3.42B in shares and deposits for 164,703 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.