Florida Credit Union is a federally insured state-chartered credit union headquartered in Gainesville, Florida, in business for about 72 years. At the end of Q2 2026 it reported $2.8B in total assets and $2.4B in member shares and deposits, with 15 offices.
Based on its Q2 2026 filing, Florida Credit Union scores 75/100, which we describe as strong. That is higher than 75% of 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 36th. Its strongest component is problem-loan coverage (88/100; 6.1%), and its lowest is funding & liquidity (64/100; 96% loans-to-deposits, 12% uninsured).
TellerScore · Q2 2026
Scorecard
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 fell 3 points (78 → 75), mostly because the loan quality component weakened by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 77 |
| Q4 2025 | 76 |
| Q1 2026 | 77 |
| Q2 2026 | 75 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.68% |
| Q3 2024 | 12.83% |
| Q4 2024 | 12.96% |
| Q1 2025 | 12.72% |
| Q2 2025 | 12.97% |
| Q3 2025 | 12.86% |
| Q4 2025 | 12.78% |
| Q1 2026 | 12.67% |
| Q2 2026 | 12.70% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.80% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.55% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.53% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.52% |
| Q3 2025 | 1.51% |
| Q4 2025 | 1.52% |
| Q1 2026 | 1.42% |
| Q2 2026 | 1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $2.8B | 12.70% | 0.80% | 1.42% | 96.3% |
| Q1 2026 | 77 | $2.7B | 12.67% | 0.68% | 1.42% | 93.5% |
| Q4 2025 | 76 | $2.6B | 12.78% | 0.79% | 1.52% | 95.9% |
| Q3 2025 | 77 | $2.5B | 12.86% | 0.69% | 1.51% | 96.7% |
| Q2 2025 | 78 | $2.4B | 12.97% | 0.63% | 1.52% | 98.1% |
| Q1 2025 | 78 | $2.4B | 12.72% | 0.53% | 1.45% | 94.5% |
| Q4 2024 | 78 | $2.3B | 12.96% | 0.69% | 1.53% | 96.9% |
| Q3 2024 | 78 | $2.2B | 12.83% | 0.66% | 1.53% | 96.3% |
| Q2 2024 | 78 | $2.2B | 12.68% | 0.56% | 1.55% | 96.8% |
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).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Penair Credit UnionCredit union Pensacola, FL | 69 out of 100, Moderate | $2.8B | 11.5% | 0.60% | vs |
| Eglin Federal Credit UnionCredit union Fort Walton Bea, FL | 85 out of 100, Very strong | $3.1B | 13.1% | 0.35% | vs |
| Gte Federal Credit UnionCredit union Tampa, FL | 58 out of 100, Moderate | $3.1B | 11.1% | 1.08% | vs |
| Community First Credit Union of FloCredit union Jacksonville, FL | 73 out of 100, Strong | $3.2B | 12.3% | 0.63% | vs |
| Ithink Financial Credit UnionCredit union Boca Raton, FL | 65 out of 100, Moderate | $2.4B | 10.7% | 0.75% | vs |
| Achieva Credit UnionCredit union Dunedin, FL | 68 out of 100, Moderate | $3.2B | 9.9% | 0.35% | vs |
Deposit insurance
Is my money safe at Florida Credit Union?
Yes. Florida Credit Union is a federally insured credit union (NCUA charter #60497). 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 12.1% of shares and deposits ($287.7M) 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 12.70%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
15 locations
Branches
Florida Credit Union lists 15 offices in 6 cities. Most locations:
- Gainesville, FL (7)
- Ocala, FL (4)
- Belleview, FL (1)
- Lecanto, FL (1)
- Starke, FL (1)
- Wildwood, FL (1)
HMDA 2025
Mortgage lending
In 2025, Florida Credit Union reported 4,146 home-loan applications under HMDA (LEI 5493006ZBGVXBAMCRG16): 840 originated ($98,000,000 total), 2,030 denied, and 1,246 withdrawn or closed by the applicant. Its denial rate on decided applications was 70.0%, 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
- Florida Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60497
- RSSD ID
- 577799
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- P.O. Box 5549, Gainesville, FL 32627
- Employees
- 336
Quick answers
Florida Credit Union: common questions
Is Florida Credit Union NCUA insured?
Yes. Florida Credit Union is a federally insured credit union (NCUA charter #60497). 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 Florida Credit Union's TellerScore?
75 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 Florida Credit Union have?
15 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Gainesville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Campus USA Credit UnionCredit union Gainesville, FL | 76 out of 100, Strong | $4.0B | 12.3% | 0.38% | vs |
| Gala BankBank Ocala, FL | 73 out of 100, Strong | $44.9M | 22.1% | 0.00% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| Midflorida Credit UnionCredit union Lakeland, FL | 72 out of 100, Strong | $9.8B | 10.7% | 0.46% | vs |
| SouthState Bank, National AssociationBank Winter Haven, FL | 68 out of 100, Moderate | $68.8B | 10.3% | 0.54% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |