Usf Federal Credit Union Temple Terrace, Florida
Usf Federal Credit Union is a federal credit union headquartered in Temple Terrace, FL, established in 1982 (NCUA charter 24223), and it is regulated and insured by the NCUA. At Q2 2026 it reported 80,247 members and total assets of $1.40B (up 9.5% from Q2 2025), the 22nd largest of 106 credit unions headquartered in Florida. Its net worth ratio was 10.62% at Q2 2026, in the well capitalized band.
Also written as Usf FCU · Trade names filed with the NCUA: USF Credit Union and Darden Credit Union
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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
- 24223
- Headquarters
- Temple Terrace, FL
- Established
- 1982
- Total assets, Q2 2026
- $1.40B
- Assets vs Q2 2025
- +9.5%
- Members, Q2 2026
- 80,247
- Net worth ratio, Q2 2026
- 10.62%
- Latest call report
- Q2 2026, NCUA 5300 · Usf Federal Credit Union call report
- Asset rank in state
- 22nd of 106 in Florida
- Routing number
- 263183159
- Branches
- 11
It has 2,980 more members than on June 30, 2025 (+3.9%). Its net worth ratio was down 0.05 percentage points from 10.67% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $490.5M of $1.20B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.77% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.62% net worth ratio is below that band's 10.89% median.
Credit unions merged into Usf Federal Credit Union
West Coast Federal Employees Credit Union (2017) · Darden Employees Federal Credit Union (2015)
Frequently asked about Usf Federal Credit Union
How big is Usf Federal Credit Union?
At Q2 2026 it reported total assets of $1.40B and 80,247 members.
Where is Usf Federal Credit Union headquartered?
It is headquartered in Temple Terrace, FL, United States.
When was Usf Federal Credit Union founded?
It was established in 1982, per NCUA records.
Is Usf Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24223): 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 Usf Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Usf Federal Credit Union well capitalized?
Its net worth ratio was 10.62% 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 Usf Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.77% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Usf Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 101.14% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Temple Terrace, FL 33637
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1982
- NCUA Charter #
- 24223
- RSSD ID
- 373795
- Members
- 80,247
- Potential members
- 924,455
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 and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.62% | 10.89% | 44th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.48% | 0.89% | 20th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 4.53% | 8.07% | 20th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.66% | 3.45% | 65th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 75.02% | 70.59% | 33rd below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.95% | 1.68% | 28th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.77% | 0.68% | 44th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.61% | 5.12% | 82nd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 101.14% | 88.03% | 88th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.40B total assets against $1.28B; $1.19B total shares and deposits against $1.08B; $1.20B total loans against $1.09B.
$149.1M net worth against $136.8M.
10.62% net worth ratio against 10.67%.
101.14% loan-to-share ratio against 101.06%.
0.77% delinquency ratio against 0.78%.
0.48% return on assets against 0.27%; 4.53% return on equity against 2.54%.
3.66% net interest margin against 3.83%.
80,247 members against 77,267.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.62% | 0.48% | 0.77% | 101.14% |
| March 31, 2026 | 10.78% | 0.25% | 0.80% | 99.83% |
| December 31, 2025 | 10.63% | 0.45% | 0.99% | 96.09% |
| September 30, 2025 | 10.65% | 0.19% | 0.87% | 102.98% |
| June 30, 2025 | 10.67% | 0.27% | 0.78% | 101.06% |
| March 31, 2025 | 10.87% | 0.35% | 0.59% | 96.68% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.