Florida Credit Union Gainesville, Florida
Florida Credit Union is a state-chartered credit union headquartered in Gainesville, FL, established in 1954 (NCUA charter 60497), and it is regulated and insured by the NCUA. At Q2 2026 it reported 185,862 members and total assets of $2.81B (up 15.6% from Q2 2025), the 14th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 12.70% at Q2 2026, in the well capitalized band.
Also written as Florida 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
- 60497
- Headquarters
- Gainesville, FL
- Established
- 1954
- Total assets, Q2 2026
- $2.81B
- Assets vs Q2 2025
- +15.6%
- Members, Q2 2026
- 185,862
- Net worth ratio, Q2 2026
- 12.70%
- Latest call report
- Q2 2026, NCUA 5300 · Florida Credit Union call report
- Asset rank in state
- 14th of 106 in Florida
- Routing number
- 263178410
- Branches
- 17
It has 14,312 more members than on June 30, 2025 (+8.3%). Its net worth ratio was down 0.27 percentage points from 12.97% on June 30, 2025. Used vehicle loans are its largest loan category, $694.8M of $2.29B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.70% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Florida
Frequently asked about Florida Credit Union
How big is Florida Credit Union?
At Q2 2026 it reported total assets of $2.81B and 185,862 members.
Where is Florida Credit Union headquartered?
It is headquartered in Gainesville, FL, United States.
When was Florida Credit Union founded?
It was established in 1954, per NCUA records.
Is Florida Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60497): 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 Florida 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 Florida Credit Union well capitalized?
Its net worth ratio was 12.70% 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 Florida Credit Union's delinquency ratio?
Its delinquency ratio was 0.80% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Florida Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 96.33% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Gainesville, FL 32606
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 60497
- RSSD ID
- 577799
- Members
- 185,862
- Potential members
- 6,065,402
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 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.70% | 10.89% | 76th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.45% | 0.89% | 83rd top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.44% | 8.07% | 78th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.76% | 3.45% | 72nd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 55.42% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.24% | 1.68% | 15th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.80% | 0.68% | 42nd below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.99% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 96.33% | 88.03% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.81B total assets against $2.43B; $2.38B total shares and deposits against $2.04B; $2.29B total loans against $2.00B.
$356.9M net worth against $315.3M.
12.70% net worth ratio against 12.97%.
96.33% loan-to-share ratio against 98.10%.
0.80% delinquency ratio against 0.63%.
1.45% return on assets against 1.61%; 11.44% return on equity against 12.38%.
3.76% net interest margin against 4.01%.
185,862 members against 171,550.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.70% | 1.45% | 0.80% | 96.33% |
| March 31, 2026 | 12.67% | 1.42% | 0.68% | 93.52% |
| December 31, 2025 | 12.78% | 1.75% | 0.79% | 95.91% |
| September 30, 2025 | 12.86% | 1.59% | 0.69% | 96.74% |
| June 30, 2025 | 12.97% | 1.61% | 0.63% | 98.10% |
| March 31, 2025 | 12.72% | 1.45% | 0.53% | 94.47% |
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.