Grow Financial Federal Credit Union Tampa, Florida
Grow Financial Federal Credit Union is a federal credit union headquartered in Tampa, FL, established in 1955 (NCUA charter 9976), and it is regulated and insured by the NCUA. At Q2 2026 it reported 301,785 members and total assets of $3.92B (up 3.6% from Q2 2025), the 7th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 11.23% at Q2 2026, in the well capitalized band.
Also written as Grow Financial FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 9976
- Headquarters
- Tampa, FL
- Established
- 1955
- Total assets, Q2 2026
- $3.92B
- Assets vs Q2 2025
- +3.6%
- Members, Q2 2026
- 301,785
- Net worth ratio, Q2 2026
- 11.23%
- Latest call report
- Q2 2026, NCUA 5300 · Grow Financial Federal Credit Union call report
- Asset rank in state
- 7th of 106 in Florida
- Routing number
- 263182914
- Branches
- 28
It has 12,861 more members than on June 30, 2025 (+4.5%). Its net worth ratio was up 0.17 percentage points from 11.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.01B of $2.97B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.23% net worth ratio is above that band's 10.89% median.
Frequently asked about Grow Financial Federal Credit Union
How big is Grow Financial Federal Credit Union?
At Q2 2026 it reported total assets of $3.92B and 301,785 members.
Where is Grow Financial Federal Credit Union headquartered?
It is headquartered in Tampa, FL, United States.
When was Grow Financial Federal Credit Union founded?
It was established in 1955, per NCUA records.
Is Grow Financial Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9976): 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 Grow Financial Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Grow Financial Federal Credit Union well capitalized?
Its net worth ratio was 11.23% 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 Grow Financial Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.60% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Grow Financial Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 92.46% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Tampa, FL 33619
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 9976
- RSSD ID
- 929585
- Members
- 301,785
- Potential members
- 5,687,058
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 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.23% | 10.89% | 55th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.09% | 0.89% | 64th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.70% | 8.07% | 64th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.75% | 3.45% | 71st above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 63.82% | 70.59% | 73rd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.66% | 1.68% | 52nd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.60% | 0.68% | 59th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.40% | 5.12% | 71st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 92.46% | 88.03% | 65th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.92B total assets against $3.78B; $3.21B total shares and deposits against $3.15B; $2.97B total loans against $2.85B.
$439.7M net worth against $419.0M.
11.23% net worth ratio against 11.06%.
92.46% loan-to-share ratio against 90.33%.
0.60% delinquency ratio against 0.47%.
1.09% return on assets against 1.76%; 9.70% return on equity against 15.85%.
3.75% net interest margin against 3.59%.
301,785 members against 288,924.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.23% | 1.09% | 0.60% | 92.46% |
| March 31, 2026 | 10.88% | 0.38% | 0.37% | 90.82% |
| December 31, 2025 | 11.22% | 0.82% | 0.48% | 93.61% |
| September 30, 2025 | 11.25% | 0.67% | 0.47% | 92.36% |
| June 30, 2025 | 11.06% | 1.76% | 0.47% | 90.33% |
| March 31, 2025 | 10.49% | 0.69% | 0.47% | 89.02% |
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.