TellerScore

Ficare Federal Credit Union is a federal credit union headquartered in Wesley Chapel, Florida, in business for about 66 years. At the end of Q2 2026 it reported $77.4M in total assets and $65.7M in member shares and deposits, with 1 office.

Ficare Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 63rd. Problem-loan coverage contributes the most (91/100, 4.6%); earnings contributes the least (29/100, 0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.07%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.94%
Earnings29/100
Return on assets (annualized): 0.22%
Funding & liquidity85/100
Loans ÷ shares: 75.3% · 6.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.61%

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 (69 → 69).

TellerScore
626874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202473
Q1 202571
Q2 202569
Q3 202569
Q4 202562
Q1 202674
Q2 202669
Net worth ratio
7.00%10.09%13.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.77%
Q3 202413.17%
Q4 202412.90%
Q1 202512.71%
Q2 202512.48%
Q3 202512.66%
Q4 202512.72%
Q1 202612.59%
Q2 202613.07%
Delinquent loans (60+ days)
0.39%0.94%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.62%
Q3 20240.78%
Q4 20240.46%
Q1 20250.39%
Q2 20250.74%
Q3 20250.82%
Q4 20251.48%
Q1 20260.81%
Q2 20260.94%
Return on assets
0.02%0.45%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.16%
Q4 20240.19%
Q1 20250.02%
Q2 20250.22%
Q3 20250.17%
Q4 20250.15%
Q1 20260.87%
Q2 20260.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$77.4M13.07%0.94%0.22%75.3%
Q1 202674$81.1M12.59%0.81%0.87%73.3%
Q4 202562$78.9M12.72%1.48%0.15%74.1%
Q3 202569$80.4M12.66%0.82%0.17%73.4%
Q2 202569$81.4M12.48%0.74%0.22%73.6%
Q1 202571$81.3M12.71%0.39%0.02%75.1%
Q4 202473$80.0M12.90%0.46%0.19%77.5%
Q3 202470$79.1M13.17%0.78%0.16%79.8%
Q2 202470$81.3M12.77%0.62%0.16%79.9%

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 ratio13.07%
40th
Problem loans0.94%
41st
Net charge-offs0.84%
17th
Return on assets0.22%
28th
Loans to deposits75.3%
25th
Uninsured deposits6.0%
17th
Loan-loss reserves0.00%
37th
Texas ratio4.6%
31st

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
T M H Federal Credit UnionCredit union Tallahassee, FL59 out of 100, Moderate$87.4M10.1%0.91%vs
My Pensacola Federal Credit UnionCredit union Pensacola, FL85 out of 100, Very strong$89.1M17.9%0.29%vs
Emerald Coast Federal Credit UnionCredit union Port St Joe, FL60 out of 100, Moderate$65.4M7.8%0.32%vs
Memorial Employees Financial Credit UnionCredit union Hollywood, FL73 out of 100, Strong$92.5M11.1%0.18%vs
Tampa Postal Federal Credit UnionCredit union Tampa, FL69 out of 100, Moderate$98.2M11.0%0.21%vs
Priority Credit UnionCredit union Orlando, FL32 out of 100, Low$56.1M8.6%3.17%vs

Deposit insurance

Is my money safe at Ficare Federal Credit Union?

Yes. Ficare Federal Credit Union is a federally insured credit union (NCUA charter #13902). 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 6.0% 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 13.07%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Ficare Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ficare Federal Credit Union
Type
Federal credit union
NCUA charter #
13902
RSSD ID
503985
Primary regulator
NCUA
Established
1960
Headquarters
26644 Silver Maple Pkwy, Wesley Chapel, FL 33544
Employees
27

Quick answers

Ficare Federal Credit Union: common questions

Is Ficare Federal Credit Union NCUA insured?

Yes. Ficare Federal Credit Union is a federally insured credit union (NCUA charter #13902). 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 Ficare Federal Credit Union's TellerScore?

69 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 Ficare Federal Credit Union have?

1 office as of the latest NCUA data.