Credit Union Safety Analysis
Is Floridacentral Credit Union Safe? Tampa, Florida
Based on its Q2 2026 NCUA 5300 call report, Floridacentral Credit Union has a net worth ratio of 7.83%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.69%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Floridacentral Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Floridacentral Credit Union's net worth ratio is 7.83%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.83%
- Delinquency ratio (60+ days) (Q2 2026): 0.69%
- Return on assets (Q2 2026): -0.04%
- Loan-to-share ratio (Q2 2026): 69.04%
Floridacentral Credit Union (NCUA charter 67668) reported $621.8M in assets and 44,253 members for Q2 2026 from Tampa, Florida. It ranks 34 of 106 credit unions in Florida by total assets. Total assets grew 2.2% from $608.4M on June 30, 2025. It has 1,342 more members than on June 30, 2025 (+3.1%). Its net worth ratio was up 0.09 percentage points from 7.74% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $140.6M of $406.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.69% is above 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: 7.84% for Q1 2026; 7.74% 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: 0.54% for Q1 2026; 0.43% 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: 0.39% for Q1 2026; 0.26% 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: 69.20% for Q1 2026; 68.41% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $140.6M
- Used vehicle loans: $130.8M
- New vehicle loans: $53.9M
- Other secured non-real estate loans and lines of credit: $44.2M
- Commercial loans: $20.6M
- Other unsecured loans and lines of credit: $8.4M
- Unsecured credit card loans: $7.8M
- Non-federally guaranteed student loans: $312K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $621.8M | 7.83% | 0.69% | -0.04% | 69.04% |
| March 31, 2026 | $622.0M | 7.84% | 0.54% | 0.39% | 69.20% |
| December 31, 2025 | $614.7M | 7.83% | 0.66% | 0.55% | 69.41% |
| September 30, 2025 | $592.9M | 8.02% | 0.51% | 0.32% | 71.44% |
| June 30, 2025 | $608.4M | 7.74% | 0.43% | 0.26% | 68.41% |
| March 31, 2025 | $618.0M | 7.56% | 0.49% | 0.26% | 66.01% |
Add this badge to your website
Free to use. It shows Floridacentral 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.
Floridacentral Credit Union profile
Regulator records: NCUA credit union profile (charter 67668) · FFIEC NIC profile (RSSD 922193)
Frequently asked questions
Is Floridacentral Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Floridacentral Credit Union's net worth ratio is 7.83%, above the 7% NCUA threshold for well capitalized.
Is Floridacentral Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Floridacentral Credit Union is a federally insured credit union (NCUA charter 67668): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Floridacentral Credit Union's key safety ratios?
For Q2 2026, Floridacentral Credit Union reports net worth 7.83%, delinquency 0.69%, ROA -0.04%, loan-to-share 69.04%.
What happens to my money if Floridacentral Credit Union fails?
For Q2 2026, Floridacentral Credit Union held $589.0M in shares and deposits for 44,253 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.