TellerScore

Campus USA Credit Union is a federally insured state-chartered credit union headquartered in Gainesville, Florida, in business for about 91 years. At the end of Q2 2026 it reported $4.0B in total assets and $3.4B in member shares and deposits, with 14 offices.

Campus USA Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 79% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 33rd. Problem-loan coverage contributes the most (95/100, 2.7%); funding & liquidity contributes the least (61/100, 98% loans-to-deposits, 15% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.25%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings70/100
Return on assets (annualized): 1.26%
Funding & liquidity61/100
Loans ÷ shares: 98.3% · 15.4% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.71%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

TellerScore
757677Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202476
Q4 202475
Q1 202577
Q2 202576
Q3 202576
Q4 202576
Q1 202676
Q2 202676
Net worth ratio
7.00%9.74%12.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.45%
Q3 202412.49%
Q4 202412.49%
Q1 202512.43%
Q2 202512.28%
Q3 202512.40%
Q4 202512.20%
Q1 202612.15%
Q2 202612.25%
Delinquent loans (60+ days)
0.35%0.43%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.48%
Q3 20240.51%
Q4 20240.48%
Q1 20250.40%
Q2 20250.43%
Q3 20250.41%
Q4 20250.43%
Q1 20260.35%
Q2 20260.38%
Return on assets
1.11%1.25%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.38%
Q3 20241.29%
Q4 20241.11%
Q1 20251.25%
Q2 20251.20%
Q3 20251.25%
Q4 20251.21%
Q1 20261.20%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$4.0B12.25%0.38%1.26%98.3%
Q1 202676$4.0B12.15%0.35%1.20%96.0%
Q4 202576$3.9B12.20%0.43%1.21%96.6%
Q3 202576$3.7B12.40%0.41%1.25%97.4%
Q2 202576$3.7B12.28%0.43%1.20%94.9%
Q1 202577$3.5B12.43%0.40%1.25%96.5%
Q4 202475$3.4B12.49%0.48%1.11%98.0%
Q3 202476$3.4B12.49%0.51%1.29%98.3%
Q2 202477$3.3B12.45%0.48%1.38%98.7%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.25%
70th
Problem loans0.38%
83rd
Net charge-offs0.38%
68th
Return on assets1.26%
84th
Loans to deposits98.3%
19th
Uninsured deposits15.4%
13th
Loan-loss reserves0.00%
50th
Texas ratio2.7%
79th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Grow Financial Federal Credit UnionCredit union Tampa, FL68 out of 100, Moderate$3.9B11.2%0.60%vs
Addition Financial Credit UnionCredit union Lake Mary, FL61 out of 100, Moderate$3.8B10.0%1.40%vs
Achieva Credit UnionCredit union Dunedin, FL68 out of 100, Moderate$3.2B9.9%0.35%vs
Community First Credit Union of FloCredit union Jacksonville, FL73 out of 100, Strong$3.2B12.3%0.63%vs
Gte Federal Credit UnionCredit union Tampa, FL58 out of 100, Moderate$3.1B11.1%1.08%vs
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs

Deposit insurance

Is my money safe at Campus USA Credit Union?

Yes. Campus USA Credit Union is a federally insured credit union (NCUA charter #68391). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 15.4% of shares and deposits ($525.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

Campus USA Credit Union lists 14 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Campus USA Credit Union reported 1,239 home-loan applications under HMDA (LEI 549300BPDFS1CLV7K329): 947 originated ($172,255,000 total), 112 denied, and 177 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Campus USA Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68391
RSSD ID
79677
Primary regulator
State + NCUA
Established
1935
Headquarters
PO Box 147029, Gainesville, FL 32614
Employees
495

Quick answers

Campus USA Credit Union: common questions

Is Campus USA Credit Union NCUA insured?

Yes. Campus USA Credit Union is a federally insured credit union (NCUA charter #68391). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Campus USA Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Campus USA Credit Union have?

14 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Gainesville

InstitutionScoreAssetsCapitalProblem loansCompare
Florida Credit UnionCredit union Gainesville, FL75 out of 100, Strong$2.8B12.7%0.80%vs
Lafayette State BankBank Mayo, FL74 out of 100, Strong$252.2M9.9%0.06%vs
Gala BankBank Ocala, FL73 out of 100, Strong$44.9M22.1%0.00%vs
Capital City BankBank Tallahassee, FL72 out of 100, Strong$4.4B10.3%0.40%vs
Midflorida Credit UnionCredit union Lakeland, FL72 out of 100, Strong$9.8B10.7%0.46%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs