TellerScore

Florida West Coast Credit Union (NCUA charter #67337) is based in Brandon, Florida. Its Q2 2026 call report shows $144.2M in total assets and $127.4M in member shares and deposits and 6 offices across 2 states.

Based on its Q2 2026 filing, Florida West Coast Credit Union scores 79/100, which we describe as strong. That is higher than 76% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 27th. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 2% uninsured), and its lowest is earnings (52/100; 0.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 12.03%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.25%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity100/100
Loans ÷ shares: 58.0% · 2.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.05%

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 (77 → 79), mostly because the earnings component improved by 9 points.

TellerScore
757779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202477
Q4 202478
Q1 202576
Q2 202577
Q3 202575
Q4 202578
Q1 202678
Q2 202679
Net worth ratio
7.00%9.58%12.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.81%
Q3 202411.84%
Q4 202412.00%
Q1 202511.65%
Q2 202511.98%
Q3 202511.94%
Q4 202512.15%
Q1 202612.06%
Q2 202612.03%
Delinquent loans (60+ days)
0.18%0.32%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.25%
Q4 20240.20%
Q1 20250.18%
Q2 20250.23%
Q3 20250.46%
Q4 20250.32%
Q1 20260.38%
Q2 20260.25%
Return on assets
0.45%0.62%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.59%
Q4 20240.64%
Q1 20250.45%
Q2 20250.58%
Q3 20250.58%
Q4 20250.67%
Q1 20260.75%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$144.2M12.03%0.25%0.79%58.0%
Q1 202678$141.4M12.06%0.38%0.75%59.0%
Q4 202578$138.2M12.15%0.32%0.67%60.4%
Q3 202575$137.9M11.94%0.46%0.58%58.9%
Q2 202577$135.8M11.98%0.23%0.58%57.1%
Q1 202576$137.4M11.65%0.18%0.45%56.0%
Q4 202478$132.2M12.00%0.20%0.64%56.0%
Q3 202477$131.8M11.84%0.25%0.59%56.6%
Q2 202478$130.7M11.81%0.18%0.64%56.0%

1,341 peers · $100 million – $1 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 ratio12.03%
58th
Problem loans0.25%
86th
Net charge-offs0.41%
44th
Return on assets0.79%
53rd
Loans to deposits58.0%
80th
Uninsured deposits2.2%
89th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
89th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Tru Fi Credit UnionCredit union Macclenny, FL84 out of 100, Strong$146.4M12.6%0.60%vs
Baptist Health South Florida Federal Credit UnionCredit union Miami, FL71 out of 100, Strong$140.2M11.0%0.62%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Coastline Federal Credit UnionCredit union Jacksonville, FL70 out of 100, Strong$136.2M11.6%0.41%vs
Okaloosa County Teachers Federal Credit UnionCredit union Crestview, FL57 out of 100, Moderate$135.3M9.5%1.39%vs
Broward Healthcare Federal Credit UnionCredit union Fort Lauderdale, FL53 out of 100, Below average$133.7M7.7%1.00%vs

Deposit insurance

Is my money safe at Florida West Coast Credit Union?

Yes. Florida West Coast Credit Union is a federally insured credit union (NCUA charter #67337). 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 2.2% of shares and deposits ($2.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Florida West Coast Credit Union lists 6 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Classic Card—$0$251.0%

All Florida West Coast Credit Union card terms

Identity & history

Profile

Legal name
Florida West Coast Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67337
RSSD ID
920096
Primary regulator
State + NCUA
Established
1991
Headquarters
1225 Millennium Parkway, Brandon, FL 33511
Employees
30

Quick answers

Florida West Coast Credit Union: common questions

Is Florida West Coast Credit Union NCUA insured?

Yes. Florida West Coast Credit Union is a federally insured credit union (NCUA charter #67337). 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 West Coast Credit Union's TellerScore?

79 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 West Coast Credit Union have?

6 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Brandon

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
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Crews Bank & TrustBank Wauchula, FL85 out of 100, Very strong$2.3B10.7%0.06%vs
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Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs