TellerScore

Floridacentral Credit Union (NCUA charter #67668) is based in Tampa, Florida. Its Q2 2026 call report shows $621.8M in total assets and $589.0M in member shares and deposits and 8 offices.

Floridacentral Credit Union has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 96th. Funding & liquidity contributes the most (91/100, 69% loans-to-deposits, 5% uninsured); earnings contributes the least (27/100, 0.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion28/100
Net worth ratio: 7.83%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.69%
Earnings27/100
Return on assets (annualized): 0.18%
Funding & liquidity91/100
Loans ÷ shares: 69.0% · 5.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.05%

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 fell 3 points (59 → 56), mostly because the loan quality component weakened by 9 points.

TellerScore
555759Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202455
Q4 202457
Q1 202558
Q2 202559
Q3 202558
Q4 202557
Q1 202659
Q2 202656
Net worth ratio
7.00%7.51%8.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.65%
Q3 20247.65%
Q4 20247.71%
Q1 20257.56%
Q2 20257.74%
Q3 20258.02%
Q4 20257.83%
Q1 20267.84%
Q2 20267.83%
Delinquent loans (60+ days)
0.43%0.56%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.67%
Q4 20240.53%
Q1 20250.49%
Q2 20250.43%
Q3 20250.51%
Q4 20250.66%
Q1 20260.54%
Q2 20260.69%
Return on assets
0.10%0.24%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.10%
Q3 20240.14%
Q4 20240.17%
Q1 20250.26%
Q2 20250.26%
Q3 20250.29%
Q4 20250.35%
Q1 20260.39%
Q2 20260.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$621.8M7.83%0.69%0.18%69.0%
Q1 202659$622.0M7.84%0.54%0.39%69.2%
Q4 202557$614.7M7.83%0.66%0.35%69.4%
Q3 202558$592.9M8.02%0.51%0.29%71.4%
Q2 202559$608.4M7.74%0.43%0.26%68.4%
Q1 202558$618.0M7.56%0.49%0.26%66.0%
Q4 202457$600.5M7.71%0.53%0.17%67.4%
Q3 202455$604.4M7.65%0.67%0.14%67.2%
Q2 202456$600.0M7.65%0.60%0.10%67.9%

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 ratio7.83%
3rd
Problem loans0.69%
50th
Net charge-offs0.61%
26th
Return on assets0.18%
10th
Loans to deposits69.0%
63rd
Uninsured deposits5.0%
60th
Loan-loss reserves0.00%
50th
Texas ratio6.1%
31st

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Insight Credit UnionCredit union Winter Springs, FL58 out of 100, Moderate$629.1M10.2%1.13%vs
Innovations Financial Credit UnionCredit union Panama City, FL67 out of 100, Moderate$696.1M9.5%0.14%vs
We Florida Financial Credit UnionCredit union Fort Lauderdale, FL68 out of 100, Moderate$700.5M10.7%0.65%vs
Champions First Credit UnionCredit union Tallahassee, FL60 out of 100, Moderate$540.7M10.8%1.27%vs
Radifi Federal Credit UnionCredit union Jacksonville, FL62 out of 100, Moderate$715.2M9.6%0.45%vs
Tampa Bay Federal Credit UnionCredit union Tampa, FL52 out of 100, Below average$493.9M10.5%1.78%vs

Deposit insurance

Is my money safe at Floridacentral Credit Union?

Yes. Floridacentral Credit Union is a federally insured credit union (NCUA charter #67668). 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 5.0% of shares and deposits ($29.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.83%, slightly 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

Floridacentral Credit Union lists 8 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Floridacentral Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67668
RSSD ID
922193
Primary regulator
State + NCUA
Established
1954
Headquarters
P.O. Box 18605, Tampa, FL 33679
Employees
145

Quick answers

Floridacentral Credit Union: common questions

Is Floridacentral Credit Union NCUA insured?

Yes. Floridacentral Credit Union is a federally insured credit union (NCUA charter #67668). 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 Floridacentral Credit Union's TellerScore?

56 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 Floridacentral Credit Union have?

8 offices as of the latest NCUA data.

Nearby

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