Side-by-side · Q2 2026 data
Tampa Bay Federal Credit Union vs Floridacentral Credit Union
Metric by metric
| Measure | Tampa Bay Federal Credit Union | Floridacentral Credit Union |
|---|---|---|
| TellerScore | 52 | 56 (stronger) |
| Capital cushion | 55 (stronger) | 28 |
| Loan quality | 41 | 77 (stronger) |
| Earnings | 39 (stronger) | 27 |
| Funding & liquidity | 67 | 91 (stronger) |
| Problem-loan coverage | 72 | 88 (stronger) |
| Peer percentile | 8th | 13th |
| Total assets | $493.9M | $621.8M |
| Deposits / shares | $418.0M | $589.0M |
| Capital ratio | 10.49% (stronger) | 7.83% |
| Problem loans | 1.78% | 0.69% (stronger) |
| Net charge-offs | 0.98% | 0.61% (stronger) |
| Return on assets | 0.47% (stronger) | 0.18% |
| Loans ÷ deposits | 93.3% | 69.0% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 5.0% |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
Floridacentral Credit Union has the higher TellerScore (56 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Tampa Bay Federal Credit Union leads on 3 and Floridacentral Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.