Credit Union Safety Analysis
Is Usf Federal Credit Union Safe? Temple Terrace, Florida
Based on its Q2 2026 NCUA 5300 call report, Usf Federal Credit Union has a net worth ratio of 10.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.77%, 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, Usf Federal Credit Union's net worth ratio is 10.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.62%
- Delinquency ratio (60+ days) (Q2 2026): 0.77%
- Return on assets (Q2 2026): 0.48%
- Loan-to-share ratio (Q2 2026): 101.14%
Usf Federal Credit Union (NCUA charter 24223, established 1982) reported $1.40B in assets and 80,247 members for Q2 2026 from Temple Terrace, Florida. It ranks 22 of 106 credit unions in Florida by total assets. Total assets grew 9.5% from $1.28B on June 30, 2025. 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.
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: 10.78% for Q1 2026; 10.67% 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: 0.80% for Q1 2026; 0.78% 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: 0.25% for Q1 2026; 0.27% 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: 99.83% for Q1 2026; 101.06% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $490.5M
- Used vehicle loans: $406.0M
- New vehicle loans: $131.5M
- Commercial loans: $55.9M
- Unsecured credit card loans: $49.0M
- Other unsecured loans and lines of credit: $45.7M
- Other secured non-real estate loans and lines of credit: $19.9M
- Non-federally guaranteed student loans: $3.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.40B | 10.62% | 0.77% | 0.48% | 101.14% |
| March 31, 2026 | $1.37B | 10.78% | 0.80% | 0.25% | 99.83% |
| December 31, 2025 | $1.38B | 10.63% | 0.99% | 0.45% | 96.09% |
| September 30, 2025 | $1.29B | 10.65% | 0.87% | 0.19% | 102.98% |
| June 30, 2025 | $1.28B | 10.67% | 0.78% | 0.27% | 101.06% |
| March 31, 2025 | $1.25B | 10.87% | 0.59% | 0.35% | 96.68% |
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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.
Usf Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24223) · FFIEC NIC profile (RSSD 373795)
Frequently asked questions
Is Usf Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Usf Federal Credit Union's net worth ratio is 10.62%, above the 7% NCUA threshold for well capitalized.
Is Usf Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Usf Federal Credit Union is a federally insured credit union (NCUA charter 24223): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Usf Federal Credit Union's key safety ratios?
For Q2 2026, Usf Federal Credit Union reports net worth 10.62%, delinquency 0.77%, ROA 0.48%, loan-to-share 101.14%.
What happens to my money if Usf Federal Credit Union fails?
For Q2 2026, Usf Federal Credit Union held $1.19B in shares and deposits for 80,247 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.