Credit Union Safety Analysis
Is McCoy Federal Credit Union Safe? Orlando, Florida
Based on its Q2 2026 NCUA 5300 call report, McCoy Federal Credit Union has a net worth ratio of 10.45%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.59%, 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, McCoy Federal Credit Union's net worth ratio is 10.45%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.45%
- Delinquency ratio (60+ days) (Q2 2026): 0.59%
- Return on assets (Q2 2026): 0.41%
- Loan-to-share ratio (Q2 2026): 78.51%
McCoy Federal Credit Union (NCUA charter 9915, established 1954) reported $1.02B in assets and 81,427 members for Q2 2026 from Orlando, Florida. It ranks 28 of 106 credit unions in Florida by total assets. Total assets grew 3.3% from $988.5M on June 30, 2025. It has 855 more members than on June 30, 2025 (+1.1%). Its net worth ratio was up 0.17 percentage points from 10.28% on June 30, 2025. New vehicle loans are its largest loan category, $281.5M of $707.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.59% is below 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: 10.27% for Q1 2026; 10.28% 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: 0.53% for Q1 2026; 0.43% 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: 0.36% for Q1 2026; 0.68% 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: 75.70% for Q1 2026; 78.11% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $281.5M
- Used vehicle loans: $170.9M
- 1- to 4-family residential and other consumer real estate loans: $133.5M
- Commercial loans: $68.9M
- Other unsecured loans and lines of credit: $20.9M
- Unsecured credit card loans: $17.1M
- Other secured non-real estate loans and lines of credit: $14.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.02B | 10.45% | 0.59% | 0.41% | 78.51% |
| March 31, 2026 | $1.03B | 10.27% | 0.53% | 0.36% | 75.70% |
| December 31, 2025 | $1.03B | 10.18% | 0.46% | 0.64% | 75.87% |
| September 30, 2025 | $1.00B | 10.31% | 0.40% | 0.64% | 78.39% |
| June 30, 2025 | $988.5M | 10.28% | 0.43% | 0.68% | 78.11% |
| March 31, 2025 | $981.3M | 10.18% | 0.27% | 0.51% | 79.37% |
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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.
McCoy Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9915) · FFIEC NIC profile (RSSD 4080)
Frequently asked questions
Is McCoy Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, McCoy Federal Credit Union's net worth ratio is 10.45%, above the 7% NCUA threshold for well capitalized.
Is McCoy Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. McCoy Federal Credit Union is a federally insured credit union (NCUA charter 9915): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are McCoy Federal Credit Union's key safety ratios?
For Q2 2026, McCoy Federal Credit Union reports net worth 10.45%, delinquency 0.59%, ROA 0.41%, loan-to-share 78.51%.
What happens to my money if McCoy Federal Credit Union fails?
For Q2 2026, McCoy Federal Credit Union held $900.7M in shares and deposits for 81,427 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.