Headquartered in Tampa, Florida, Grow Financial Federal Credit Union is a federal credit union with $3.9B in total assets and $3.2B in member shares and deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1955.
Grow Financial Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than 50% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 64th. Problem-loan coverage contributes the most (91/100, 4.6%); earnings contributes the least (49/100, 0.74%).
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 5 points (73 → 68), mostly because the earnings component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 69 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 71 |
| Q1 2026 | 66 |
| Q2 2026 | 68 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.84% |
| Q3 2024 | 10.76% |
| Q4 2024 | 10.63% |
| Q1 2025 | 10.49% |
| Q2 2025 | 11.06% |
| Q3 2025 | 11.25% |
| Q4 2025 | 11.22% |
| Q1 2026 | 10.88% |
| Q2 2026 | 11.23% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.48% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.60% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.69% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.04% |
| Q4 2025 | 0.98% |
| Q1 2026 | 0.38% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $3.9B | 11.23% | 0.60% | 0.74% | 92.5% |
| Q1 2026 | 66 | $3.9B | 10.88% | 0.37% | 0.38% | 90.8% |
| Q4 2025 | 71 | $3.8B | 11.22% | 0.48% | 0.98% | 93.6% |
| Q3 2025 | 72 | $3.8B | 11.25% | 0.47% | 1.04% | 92.4% |
| Q2 2025 | 73 | $3.8B | 11.06% | 0.47% | 1.23% | 90.3% |
| Q1 2025 | 67 | $3.8B | 10.49% | 0.47% | 0.69% | 89.0% |
| Q4 2024 | 66 | $3.7B | 10.63% | 0.61% | 0.65% | 90.2% |
| Q3 2024 | 69 | $3.7B | 10.76% | 0.50% | 0.88% | 91.5% |
| Q2 2024 | 72 | $3.7B | 10.84% | 0.37% | 1.06% | 91.1% |
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 |
|---|---|---|---|---|---|
| Addition Financial Credit UnionCredit union Lake Mary, FL | 61 out of 100, Moderate | $3.8B | 10.0% | 1.40% | vs |
| Campus USA Credit UnionCredit union Gainesville, FL | 76 out of 100, Strong | $4.0B | 12.3% | 0.38% | vs |
| Achieva Credit UnionCredit union Dunedin, FL | 68 out of 100, Moderate | $3.2B | 9.9% | 0.35% | vs |
| Community First Credit Union of FloCredit union Jacksonville, FL | 73 out of 100, Strong | $3.2B | 12.3% | 0.63% | vs |
| Gte Federal Credit UnionCredit union Tampa, FL | 58 out of 100, Moderate | $3.1B | 11.1% | 1.08% | vs |
| Eglin Federal Credit UnionCredit union Fort Walton Bea, FL | 85 out of 100, Very strong | $3.1B | 13.1% | 0.35% | vs |
Deposit insurance
Is my money safe at Grow Financial Federal Credit Union?
Yes. Grow Financial Federal Credit Union is a federally insured credit union (NCUA charter #9976). 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 7.6% of shares and deposits ($243.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 11.23%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
16 locations
Branches
Grow Financial Federal Credit Union lists 16 offices in 9 cities. Most locations:
- Tampa, FL (6)
- Bradenton, FL (2)
- Brandon, FL (2)
- Largo, FL (1)
- Lutz, FL (1)
- New Port Richey, FL (1)
- Pinellas Park, FL (1)
- Spring Hill, FL (1)
- Temple Terrace, FL (1)
HMDA 2025
Mortgage lending
In 2025, Grow Financial Federal Credit Union reported 576 home-loan applications under HMDA (LEI 549300FOCEH0X0ZOR362): 412 originated ($92,110,000 total), 98 denied, and 55 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.8%, 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.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Visa Preferred | 10.49% – 17.99% | $0 | $25 | 1.0% |
Identity & history
Profile
- Legal name
- Grow Financial Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9976
- RSSD ID
- 929585
- Primary regulator
- NCUA
- Established
- 1955
- Headquarters
- 1242 E 5th Ave Fl 4, Tampa, FL 33605
- Employees
- 635
Quick answers
Grow Financial Federal Credit Union: common questions
Is Grow Financial Federal Credit Union NCUA insured?
Yes. Grow Financial Federal Credit Union is a federally insured credit union (NCUA charter #9976). 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 Grow Financial Federal Credit Union's TellerScore?
68 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 Grow Financial Federal Credit Union have?
16 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Tampa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Street Credit UnionCredit union Sarasota, FL | 89 out of 100, Very strong | $34.5M | 14.7% | 0.10% | vs |
| Transport Credit UnionCredit union Tampa, FL | 85 out of 100, Very strong | $35.8M | 18.6% | 0.52% | vs |
| Gallup Federal Credit UnionCredit union Omaha, NE | 84 out of 100, Strong | $16.4M | 18.1% | 0.05% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Florida Customs Federal Credit UnionCredit union Tampa, FL | 83 out of 100, Strong | $6.8M | 26.8% | 0.40% | vs |
| Franklin-Somerset Federal Credit UnionCredit union Madison, ME | 81 out of 100, Strong | $149.3M | 12.9% | 0.75% | vs |