TellerScore

City-County Employees Credit Union is a federally insured state-chartered credit union headquartered in Clearwater, Florida, in business for about 85 years. At the end of Q2 2026 it reported $42.5M in total assets and $39.2M in member shares and deposits, with 2 offices.

City-County Employees Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 84th. Funding & liquidity contributes the most (93/100, 67% loans-to-deposits, 10% uninsured); capital cushion contributes the least (33/100, 8.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.29%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity93/100
Loans ÷ shares: 66.8% · 10.1% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.56%

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

From Q2 2025 to Q2 2026, the score rose 5 points (57 → 62), mostly because the loan quality component improved by 13 points.

TellerScore
525966Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202453
Q4 202454
Q1 202560
Q2 202557
Q3 202558
Q4 202561
Q1 202666
Q2 202662
Net worth ratio
7.00%7.72%8.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.44%
Q3 20248.37%
Q4 20247.95%
Q1 20257.77%
Q2 20258.17%
Q3 20258.17%
Q4 20258.19%
Q1 20268.24%
Q2 20268.29%
Delinquent loans (60+ days)
0.31%0.64%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.84%
Q3 20240.93%
Q4 20240.90%
Q1 20250.46%
Q2 20250.98%
Q3 20250.79%
Q4 20250.62%
Q1 20260.31%
Q2 20260.59%
Return on assets
-0.00%0.40%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.00%
Q3 20240.12%
Q4 20240.31%
Q1 20250.34%
Q2 20250.59%
Q3 20250.53%
Q4 20250.55%
Q1 20260.81%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$42.5M8.29%0.59%0.65%66.8%
Q1 202666$42.2M8.24%0.31%0.81%66.4%
Q4 202561$41.4M8.19%0.62%0.55%65.1%
Q3 202558$40.9M8.17%0.79%0.53%67.9%
Q2 202557$40.4M8.17%0.98%0.59%67.5%
Q1 202560$41.4M7.77%0.46%0.34%65.0%
Q4 202454$40.1M7.95%0.90%0.31%70.1%
Q3 202453$37.2M8.37%0.93%0.12%77.2%
Q2 202452$36.7M8.44%0.84%-0.00%80.6%

2,479 peers · Under $100 million in assets

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 ratio8.29%
5th
Problem loans0.59%
54th
Net charge-offs0.88%
16th
Return on assets0.65%
50th
Loans to deposits66.8%
38th
Uninsured deposits10.1%
7th
Loan-loss reserves0.00%
37th
Texas ratio6.6%
22nd

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Jax Fire Credit UnionCredit union Jacksonville, FL78 out of 100, Strong$40.4M13.3%0.57%vs
Miami Federal Credit UnionCredit union Miami, FL63 out of 100, Moderate$45.2M11.9%1.08%vs
Jackson County 1st Credit UnionCredit union Marianna, FL81 out of 100, Strong$48.9M18.1%0.76%vs
Transport Credit UnionCredit union Tampa, FL85 out of 100, Very strong$35.8M18.6%0.52%vs
Ocala Community Credit UnionCredit union Ocala, FL51 out of 100, Below average$49.3M10.1%2.57%vs
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs

Deposit insurance

Is my money safe at City-County Employees Credit Union?

Yes. City-County Employees Credit Union is a federally insured credit union (NCUA charter #67323). 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 10.1% of shares and deposits ($3.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.29%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

City-County Employees Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
City-County Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67323
RSSD ID
855590
Primary regulator
State + NCUA
Established
1941
Headquarters
1810 N Belcher Rd, Clearwater, FL 33765
Employees
9

Quick answers

City-County Employees Credit Union: common questions

Is City-County Employees Credit Union NCUA insured?

Yes. City-County Employees Credit Union is a federally insured credit union (NCUA charter #67323). 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 City-County Employees Credit Union's TellerScore?

62 out of 100 (Moderate), 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 City-County Employees Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Clearwater

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Transport Credit UnionCredit union Tampa, FL85 out of 100, Very strong$35.8M18.6%0.52%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Gallup Federal Credit UnionCredit union Omaha, NE84 out of 100, Strong$16.4M18.1%0.05%vs
Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs
Franklin-Somerset Federal Credit UnionCredit union Madison, ME81 out of 100, Strong$149.3M12.9%0.75%vs