Credit Union Safety Analysis
Is City-County Employees Credit Union Safe? Clearwater, Florida
Based on its Q2 2026 NCUA 5300 call report, City-County Employees Credit Union has a net worth ratio of 8.29%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.59%, 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, City-County Employees Credit Union's net worth ratio is 8.29%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.29%
- Delinquency ratio (60+ days) (Q2 2026): 0.59%
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 66.82%
City-County Employees Credit Union (NCUA charter 67323) reported $42.5M in assets and 3,905 members for Q2 2026 from Clearwater, Florida. It ranks 83 of 106 credit unions in Florida by total assets. Total assets grew 5.0% from $40.4M on June 30, 2025. It has 49 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was up 0.12 percentage points from 8.17% on June 30, 2025. Used vehicle loans are its largest loan category, $10.5M of $26.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.59% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 8.24% for Q1 2026; 8.17% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.31% for Q1 2026; 0.98% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.81% for Q1 2026; 0.83% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 66.41% for Q1 2026; 67.47% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $10.5M
- New vehicle loans: $5.9M
- 1- to 4-family residential and other consumer real estate loans: $5.5M
- Other unsecured loans and lines of credit: $2.7M
- Other secured non-real estate loans and lines of credit: $1.2M
- Unsecured credit card loans: $334K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $42.5M | 8.29% | 0.59% | 0.50% | 66.82% |
| March 31, 2026 | $42.2M | 8.24% | 0.31% | 0.81% | 66.41% |
| December 31, 2025 | $41.4M | 8.19% | 0.62% | 0.64% | 65.06% |
| September 30, 2025 | $40.9M | 8.17% | 0.79% | 0.41% | 67.89% |
| June 30, 2025 | $40.4M | 8.17% | 0.98% | 0.83% | 67.47% |
| March 31, 2025 | $41.4M | 7.77% | 0.46% | 0.34% | 65.04% |
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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.
City-County Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 67323) · FFIEC NIC profile (RSSD 855590)
Frequently asked questions
Is City-County Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, City-County Employees Credit Union's net worth ratio is 8.29%, above the 7% NCUA threshold for well capitalized.
Is City-County Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. City-County Employees Credit Union is a federally insured credit union (NCUA charter 67323): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are City-County Employees Credit Union's key safety ratios?
For Q2 2026, City-County Employees Credit Union reports net worth 8.29%, delinquency 0.59%, ROA 0.50%, loan-to-share 66.82%.
What happens to my money if City-County Employees Credit Union fails?
For Q2 2026, City-County Employees Credit Union held $39.2M in shares and deposits for 3,905 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.