Credit Union Safety Analysis
Is Community Credit Union of Florida Safe? Rockledge, Florida
Based on its Q2 2026 NCUA 5300 call report, Community Credit Union of Florida has a net worth ratio of 11.25%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.22%, 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, Community Credit Union of Florida's net worth ratio is 11.25%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.25%
- Delinquency ratio (60+ days) (Q2 2026): 0.22%
- Return on assets (Q2 2026): 0.66%
- Loan-to-share ratio (Q2 2026): 92.73%
Community Credit Union of Florida (NCUA charter 60816, established 1953) reported $1.45B in assets and 56,406 members for Q2 2026 from Rockledge, Florida. It ranks 21 of 106 credit unions in Florida by total assets. Total assets grew 1.7% from $1.42B on June 30, 2025. It has 1,203 more members than on June 30, 2025 (+2.2%). Its net worth ratio was up 0.36 percentage points from 10.89% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $547.4M of $1.14B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.22% 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: 11.07% for Q1 2026; 10.89% 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: 0.26% for Q1 2026; 0.33% 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: 0.34% for Q1 2026; 0.63% 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: 90.73% for Q1 2026; 87.43% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $547.4M
- Commercial loans: $168.2M
- Used vehicle loans: $165.8M
- New vehicle loans: $146.2M
- Other secured non-real estate loans and lines of credit: $55.6M
- Unsecured credit card loans: $33.5M
- Other unsecured loans and lines of credit: $20.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.45B | 11.25% | 0.22% | 0.66% | 92.73% |
| March 31, 2026 | $1.45B | 11.07% | 0.26% | 0.34% | 90.73% |
| December 31, 2025 | $1.46B | 10.93% | 0.37% | 0.43% | 88.46% |
| September 30, 2025 | $1.44B | 10.93% | 0.28% | 0.81% | 85.88% |
| June 30, 2025 | $1.42B | 10.89% | 0.33% | 0.63% | 87.43% |
| March 31, 2025 | $1.37B | 11.18% | 0.25% | 0.20% | 90.60% |
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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.
Community Credit Union of Florida profile
Regulator records: NCUA credit union profile (charter 60816) · FFIEC NIC profile (RSSD 248295)
Frequently asked questions
Is Community Credit Union of Florida well capitalized?
On its Q2 2026 NCUA 5300 call report, Community Credit Union of Florida's net worth ratio is 11.25%, above the 7% NCUA threshold for well capitalized.
Is Community Credit Union of Florida FDIC insured?
No. The FDIC insures banks, not credit unions. Community Credit Union of Florida is a federally insured credit union (NCUA charter 60816): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Community Credit Union of Florida's key safety ratios?
For Q2 2026, Community Credit Union of Florida reports net worth 11.25%, delinquency 0.22%, ROA 0.66%, loan-to-share 92.73%.
What happens to my money if Community Credit Union of Florida fails?
For Q2 2026, Community Credit Union of Florida held $1.23B in shares and deposits for 56,406 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.