TellerScore

Gte Federal Credit Union (NCUA charter #196) is based in Tampa, Florida. Its Q2 2026 call report shows $3.1B in total assets and $2.7B in member shares and deposits and 7 offices.

Based on its Q2 2026 filing, Gte Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 92nd. Its strongest component is problem-loan coverage (82/100; 9.2%), and its lowest is earnings (30/100; 0.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.13%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.08%
Earnings30/100
Return on assets (annualized): 0.25%
Funding & liquidity61/100
Loans ÷ shares: 99.4% · 5.4% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.21%

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 4 points (62 → 58), mostly because the earnings component weakened by 6 points.

TellerScore
586163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202460
Q4 202460
Q1 202562
Q2 202562
Q3 202563
Q4 202560
Q1 202660
Q2 202658
Net worth ratio
7.00%9.30%11.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.33%
Q3 202411.56%
Q4 202411.26%
Q1 202511.30%
Q2 202511.45%
Q3 202511.61%
Q4 202511.38%
Q1 202611.25%
Q2 202611.13%
Delinquent loans (60+ days)
0.79%0.94%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.85%
Q3 20241.06%
Q4 20241.03%
Q1 20250.79%
Q2 20250.95%
Q3 20250.89%
Q4 20251.08%
Q1 20260.96%
Q2 20261.08%
Return on assets
0.18%0.32%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.18%
Q3 20240.27%
Q4 20240.31%
Q1 20250.24%
Q2 20250.41%
Q3 20250.47%
Q4 20250.41%
Q1 20260.21%
Q2 20260.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$3.1B11.13%1.08%0.25%99.4%
Q1 202660$3.1B11.25%0.96%0.21%94.8%
Q4 202560$3.0B11.38%1.08%0.41%95.4%
Q3 202563$2.9B11.61%0.89%0.47%95.1%
Q2 202562$2.9B11.45%0.95%0.41%96.6%
Q1 202562$3.0B11.30%0.79%0.24%94.9%
Q4 202460$2.9B11.26%1.03%0.31%95.0%
Q3 202460$2.9B11.56%1.06%0.27%97.8%
Q2 202461$2.9B11.33%0.85%0.18%93.2%

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).

Capital ratio11.13%
56th
Problem loans1.08%
23rd
Net charge-offs1.04%
12th
Return on assets0.25%
8th
Loans to deposits99.4%
17th
Uninsured deposits5.4%
85th
Loan-loss reserves0.00%
50th
Texas ratio9.2%
18th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs
Community First Credit Union of FloCredit union Jacksonville, FL73 out of 100, Strong$3.2B12.3%0.63%vs
Achieva Credit UnionCredit union Dunedin, FL68 out of 100, Moderate$3.2B9.9%0.35%vs
Penair Credit UnionCredit union Pensacola, FL69 out of 100, Moderate$2.8B11.5%0.60%vs
Florida Credit UnionCredit union Gainesville, FL75 out of 100, Strong$2.8B12.7%0.80%vs
Addition Financial Credit UnionCredit union Lake Mary, FL61 out of 100, Moderate$3.8B10.0%1.40%vs

Deposit insurance

Is my money safe at Gte Federal Credit Union?

Yes. Gte Federal Credit Union is a federally insured credit union (NCUA charter #196). 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 5.4% of shares and deposits ($147.2M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Gte Federal Credit Union lists 7 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Gte Federal Credit Union reported 3,438 home-loan applications under HMDA (LEI 549300ZIQ24V0C88AC41): 2,102 originated ($373,050,000 total), 824 denied, and 458 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.7%, 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
Gte Federal Credit Union
Type
Federal credit union
NCUA charter #
196
RSSD ID
84073
Primary regulator
NCUA
Established
1935
Headquarters
711 E Henderson Ave, Tampa, FL 33602
Employees
551

Quick answers

Gte Federal Credit Union: common questions

Is Gte Federal Credit Union NCUA insured?

Yes. Gte Federal Credit Union is a federally insured credit union (NCUA charter #196). 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 Gte Federal Credit Union's TellerScore?

58 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 Gte Federal Credit Union have?

7 offices as of the latest NCUA data.

Nearby

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