TellerScore

Community Credit Union of Florida (NCUA charter #60816) is based in Rockledge, Florida. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in member shares and deposits and 8 offices.

Community Credit Union of Florida has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 57th. Problem-loan coverage contributes the most (94/100, 2.8%); earnings contributes the least (40/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.25%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.22%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity67/100
Loans ÷ shares: 92.7% · 16.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.78%

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 2 points (68 → 70), mostly because the funding & liquidity component weakened by 6 points.

TellerScore
676970Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202469
Q4 202468
Q1 202567
Q2 202568
Q3 202569
Q4 202568
Q1 202668
Q2 202670
Net worth ratio
7.00%9.13%11.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.03%
Q3 202411.13%
Q4 202411.08%
Q1 202511.18%
Q2 202510.89%
Q3 202510.93%
Q4 202510.93%
Q1 202611.07%
Q2 202611.25%
Delinquent loans (60+ days)
0.18%0.27%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.33%
Q4 20240.27%
Q1 20250.25%
Q2 20250.33%
Q3 20250.28%
Q4 20250.37%
Q1 20260.26%
Q2 20260.22%
Return on assets
0.20%0.37%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.42%
Q4 20240.32%
Q1 20250.20%
Q2 20250.41%
Q3 20250.54%
Q4 20250.51%
Q1 20260.34%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.4B11.25%0.22%0.50%92.7%
Q1 202668$1.4B11.07%0.26%0.34%90.7%
Q4 202568$1.5B10.93%0.37%0.51%88.5%
Q3 202569$1.4B10.93%0.28%0.54%85.9%
Q2 202568$1.4B10.89%0.33%0.41%87.4%
Q1 202567$1.4B11.18%0.25%0.20%90.6%
Q4 202468$1.4B11.08%0.27%0.32%88.6%
Q3 202469$1.4B11.13%0.33%0.42%85.8%
Q2 202470$1.4B11.03%0.18%0.39%85.7%

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 ratio11.25%
58th
Problem loans0.22%
94th
Net charge-offs0.48%
54th
Return on assets0.50%
22nd
Loans to deposits92.7%
36th
Uninsured deposits16.1%
11th
Loan-loss reserves0.00%
50th
Texas ratio2.8%
78th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Launch Credit UnionCredit union Merritt Island, FL54 out of 100, Below average$1.4B9.3%0.95%vs
First Florida Credit UnionCredit union Jacksonville, FL72 out of 100, Strong$1.5B12.9%0.65%vs
Usf Federal Credit UnionCredit union Tampa, FL60 out of 100, Moderate$1.4B10.6%0.77%vs
Gulf Winds Credit UnionCredit union Pensacola, FL69 out of 100, Moderate$1.4B9.9%0.44%vs
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
First Commerce Credit UnionCredit union Tallahassee, FL65 out of 100, Moderate$1.2B10.1%0.50%vs

Deposit insurance

Is my money safe at Community Credit Union of Florida?

Yes. Community Credit Union of Florida is a federally insured credit union (NCUA charter #60816). 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 16.1% of shares and deposits ($197.1M) 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 11.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Community Credit Union of Florida lists 8 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Credit Union of Florida reported 1,203 home-loan applications under HMDA (LEI 54930030C6U0HERIQ090): 730 originated ($128,740,000 total), 298 denied, and 150 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.3%, 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
Community Credit Union of Florida
Type
Federally insured state-chartered credit union
NCUA charter #
60816
RSSD ID
248295
Primary regulator
State + NCUA
Established
1953
Headquarters
1030 US Highway 1, Rockledge, FL 32955
Employees
190

Quick answers

Community Credit Union of Florida: common questions

Is Community Credit Union of Florida NCUA insured?

Yes. Community Credit Union of Florida is a federally insured credit union (NCUA charter #60816). 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 Community Credit Union of Florida's TellerScore?

70 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 Community Credit Union of Florida have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rockledge

InstitutionScoreAssetsCapitalProblem loansCompare
Cypress Bank & TrustBank Melbourne, FL79 out of 100, Strong$256.8M11.8%0.00%vs
Fairwinds Credit UnionCredit union Orlando, FL73 out of 100, Strong$5.3B11.2%0.46%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs
Sunrise BankBank Orlando, FL68 out of 100, Moderate$622.9M9.5%0.10%vs
Community Bank of the SouthBank Merritt Island, FL67 out of 100, Moderate$266.5M9.5%0.00%vs
United Community BankBank Greenville, SC67 out of 100, Moderate$29.0B9.5%0.51%vs