Credit Union Safety Analysis
Is Florida Credit Union Safe? Gainesville, Florida
Based on its Q2 2026 NCUA 5300 call report, Florida Credit Union has a net worth ratio of 12.70%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.80%, 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 Credit Union's net worth ratio is 12.70%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.70%
- Delinquency ratio (60+ days) (Q2 2026): 0.80%
- Return on assets (Q2 2026): 1.45%
- Loan-to-share ratio (Q2 2026): 96.33%
Florida Credit Union (NCUA charter 60497, established 1954) reported $2.81B in assets and 185,862 members for Q2 2026 from Gainesville, Florida. It ranks 14 of 106 credit unions in Florida by total assets. Total assets grew 15.6% from $2.43B on June 30, 2025. 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.
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: 12.67% for Q1 2026; 12.97% 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: 0.68% for Q1 2026; 0.63% 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: 1.42% for Q1 2026; 1.61% 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: 93.52% for Q1 2026; 98.10% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $694.8M
- New vehicle loans: $693.3M
- 1- to 4-family residential and other consumer real estate loans: $327.4M
- Commercial loans: $288.8M
- Unsecured credit card loans: $103.9M
- Other unsecured loans and lines of credit: $92.4M
- Other secured non-real estate loans and lines of credit: $89.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.81B | 12.70% | 0.80% | 1.45% | 96.33% |
| March 31, 2026 | $2.74B | 12.67% | 0.68% | 1.42% | 93.52% |
| December 31, 2025 | $2.64B | 12.78% | 0.79% | 1.75% | 95.91% |
| September 30, 2025 | $2.53B | 12.86% | 0.69% | 1.59% | 96.74% |
| June 30, 2025 | $2.43B | 12.97% | 0.63% | 1.61% | 98.10% |
| March 31, 2025 | $2.40B | 12.72% | 0.53% | 1.45% | 94.47% |
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Free to use. It shows Florida 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.
Regulator records: NCUA credit union profile (charter 60497) · FFIEC NIC profile (RSSD 577799)
Frequently asked questions
Is Florida Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Florida Credit Union's net worth ratio is 12.70%, above the 7% NCUA threshold for well capitalized.
Is Florida Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Florida Credit Union is a federally insured credit union (NCUA charter 60497): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Florida Credit Union's key safety ratios?
For Q2 2026, Florida Credit Union reports net worth 12.70%, delinquency 0.80%, ROA 1.45%, loan-to-share 96.33%.
What happens to my money if Florida Credit Union fails?
For Q2 2026, Florida Credit Union held $2.38B in shares and deposits for 185,862 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.