Credit Union Safety Analysis
Is Florida A&M University Federal Credit Union Safe? Tallahassee, Florida
Based on its Q2 2026 NCUA 5300 call report, Florida A&M University Federal Credit Union has a net worth ratio of 11.88%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.46%, 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, Florida A&M University Federal Credit Union's net worth ratio is 11.88%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.88%
- Delinquency ratio (60+ days) (Q2 2026): 3.46%
- Return on assets (Q2 2026): -2.22%
- Loan-to-share ratio (Q2 2026): 44.53%
Florida A&M University Federal Credit Union (NCUA charter 187, established 1935) reported $28.0M in assets and 3,715 members for Q2 2026 from Tallahassee, Florida. It ranks 90 of 106 credit unions in Florida by total assets. Total assets fell 0.5% from $28.1M on June 30, 2025. It has 112 fewer members than on June 30, 2025 (-2.9%). Its net worth ratio was down 1.94 percentage points from 13.82% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.2M of $10.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.46% is above 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: 12.64% for Q1 2026; 13.82% 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: 4.01% for Q1 2026; 3.03% 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: -1.37% for Q1 2026; 3.89% 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: 43.95% for Q1 2026; 42.83% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.2M
- Used vehicle loans: $2.9M
- New vehicle loans: $1.5M
- Other unsecured loans and lines of credit: $901K
- Other secured non-real estate loans and lines of credit: $661K
- Commercial loans: $511K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $28.0M | 11.88% | 3.46% | -2.22% | 44.53% |
| March 31, 2026 | $27.5M | 12.64% | 4.01% | -1.37% | 43.95% |
| December 31, 2025 | $27.3M | 13.10% | 6.34% | 0.24% | 44.54% |
| September 30, 2025 | $27.3M | 13.31% | 5.09% | -3.48% | 43.93% |
| June 30, 2025 | $28.1M | 13.82% | 3.03% | 3.89% | 42.83% |
| March 31, 2025 | $28.5M | 12.70% | 1.82% | 1.12% | 44.23% |
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Free to use. It shows Florida A&M University Federal 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.
Florida A&M University Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 187) · FFIEC NIC profile (RSSD 908179)
Frequently asked questions
Is Florida A&M University Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Florida A&M University Federal Credit Union's net worth ratio is 11.88%, above the 7% NCUA threshold for well capitalized.
Is Florida A&M University Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Florida A&M University Federal Credit Union is a federally insured credit union (NCUA charter 187): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Florida A&M University Federal Credit Union's key safety ratios?
For Q2 2026, Florida A&M University Federal Credit Union reports net worth 11.88%, delinquency 3.46%, ROA -2.22%, loan-to-share 44.53%.
What happens to my money if Florida A&M University Federal Credit Union fails?
For Q2 2026, Florida A&M University Federal Credit Union held $23.8M in shares and deposits for 3,715 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.