Credit Union Safety Analysis
Is Florida West Coast Credit Union Safe? Brandon, Florida
Based on its Q2 2026 NCUA 5300 call report, Florida West Coast Credit Union has a net worth ratio of 12.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.25%, 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 West Coast Credit Union's net worth ratio is 12.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.03%
- Delinquency ratio (60+ days) (Q2 2026): 0.25%
- Return on assets (Q2 2026): 0.84%
- Loan-to-share ratio (Q2 2026): 57.96%
Florida West Coast Credit Union (NCUA charter 67337, established 1980) reported $144.2M in assets and 11,352 members for Q2 2026 from Brandon, Florida. It ranks 63 of 106 credit unions in Florida by total assets. Total assets grew 6.3% from $135.8M on June 30, 2025. It has 337 more members than on June 30, 2025 (+3.1%). Its net worth ratio was up 0.05 percentage points from 11.98% on June 30, 2025. Used vehicle loans are its largest loan category, $29.8M of $73.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.25% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.06% for Q1 2026; 11.98% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.38% for Q1 2026; 0.23% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.75% for Q1 2026; 0.71% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 58.95% for Q1 2026; 57.06% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $29.8M
- New vehicle loans: $17.0M
- 1- to 4-family residential and other consumer real estate loans: $16.9M
- Unsecured credit card loans: $4.2M
- Other unsecured loans and lines of credit: $3.5M
- Other secured non-real estate loans and lines of credit: $2.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $144.2M | 12.03% | 0.25% | 0.84% | 57.96% |
| March 31, 2026 | $141.4M | 12.06% | 0.38% | 0.75% | 58.95% |
| December 31, 2025 | $138.2M | 12.15% | 0.32% | 0.95% | 60.36% |
| September 30, 2025 | $137.9M | 11.94% | 0.46% | 0.59% | 58.90% |
| June 30, 2025 | $135.8M | 11.98% | 0.23% | 0.71% | 57.06% |
| March 31, 2025 | $137.4M | 11.65% | 0.18% | 0.45% | 56.00% |
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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.
Florida West Coast Credit Union profile
Regulator records: NCUA credit union profile (charter 67337) · FFIEC NIC profile (RSSD 920096)
Frequently asked questions
Is Florida West Coast Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Florida West Coast Credit Union's net worth ratio is 12.03%, above the 7% NCUA threshold for well capitalized.
Is Florida West Coast Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Florida West Coast Credit Union is a federally insured credit union (NCUA charter 67337): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Florida West Coast Credit Union's key safety ratios?
For Q2 2026, Florida West Coast Credit Union reports net worth 12.03%, delinquency 0.25%, ROA 0.84%, loan-to-share 57.96%.
What happens to my money if Florida West Coast Credit Union fails?
For Q2 2026, Florida West Coast Credit Union held $127.4M in shares and deposits for 11,352 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.