McCoy Federal Credit Union (NCUA charter #9915) is based in Orlando, Florida. Its Q2 2026 call report shows $1.0B in total assets and $900.7M in member shares and deposits and 16 offices.
Based on its Q2 2026 filing, McCoy Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 41% of 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 75th. Its strongest component is problem-loan coverage (92/100; 3.9%), and its lowest is earnings (35/100; 0.39%).
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 (68 → 65), mostly because the earnings component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 64 |
| Q4 2024 | 64 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 68 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.60% |
| Q3 2024 | 9.82% |
| Q4 2024 | 10.20% |
| Q1 2025 | 10.18% |
| Q2 2025 | 10.28% |
| Q3 2025 | 10.31% |
| Q4 2025 | 10.18% |
| Q1 2026 | 10.27% |
| Q2 2026 | 10.45% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.59% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $1.0B | 10.45% | 0.59% | 0.39% | 78.5% |
| Q1 2026 | 65 | $1.0B | 10.27% | 0.53% | 0.36% | 75.7% |
| Q4 2025 | 68 | $1.0B | 10.18% | 0.46% | 0.60% | 75.9% |
| Q3 2025 | 68 | $1.0B | 10.31% | 0.40% | 0.60% | 78.4% |
| Q2 2025 | 68 | $988.5M | 10.28% | 0.43% | 0.59% | 78.1% |
| Q1 2025 | 68 | $981.3M | 10.18% | 0.27% | 0.51% | 79.4% |
| Q4 2024 | 64 | $967.6M | 10.20% | 0.55% | 0.38% | 79.9% |
| Q3 2024 | 64 | $992.4M | 9.82% | 0.48% | 0.33% | 78.0% |
| Q2 2024 | 62 | $1.0B | 9.60% | 0.58% | 0.25% | 76.3% |
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 |
|---|---|---|---|---|---|
| Power Financial Credit UnionCredit union Pembroke Pines, FL | 55 out of 100, Moderate | $1.0B | 14.0% | 3.35% | vs |
| Tropical Financial Credit UnionCredit union Miramar, FL | 58 out of 100, Moderate | $1.0B | 9.5% | 0.88% | vs |
| Brightstar Credit UnionCredit union Fort Lauderdale, FL | 62 out of 100, Moderate | $1.1B | 9.2% | 0.52% | vs |
| Radiant Credit UnionCredit union Gainesville, FL | 65 out of 100, Moderate | $1.1B | 9.5% | 0.47% | vs |
| First Commerce Credit UnionCredit union Tallahassee, FL | 65 out of 100, Moderate | $1.2B | 10.1% | 0.50% | vs |
| Gulf Winds Credit UnionCredit union Pensacola, FL | 69 out of 100, Moderate | $1.4B | 9.9% | 0.44% | vs |
Deposit insurance
Is my money safe at McCoy Federal Credit Union?
Yes. McCoy Federal Credit Union is a federally insured credit union (NCUA charter #9915). 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 5.7% of shares and deposits ($51.5M) 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 10.45%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
16 locations
Branches
McCoy Federal Credit Union lists 16 offices in 8 cities. Most locations:
- Orlando, FL (9)
- Apopka, FL (1)
- Clermont, FL (1)
- Kissimmee, FL (1)
- Lake Mary, FL (1)
- Maitland, FL (1)
- Ocoee, FL (1)
- Winter Garden, FL (1)
HMDA 2025
Mortgage lending
In 2025, McCoy Federal Credit Union reported 312 home-loan applications under HMDA (LEI 2549005T4NUXGTZTUE50): 106 originated ($11,910,000 total), 119 denied, and 68 withdrawn or closed by the applicant. Its denial rate on decided applications was 48.8%, 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.
Identity & history
Profile
- Legal name
- McCoy Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9915
- RSSD ID
- 4080
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- Po Box 593806, Orlando, FL 32859
- Employees
- 227
Quick answers
McCoy Federal Credit Union: common questions
Is McCoy Federal Credit Union NCUA insured?
Yes. McCoy Federal Credit Union is a federally insured credit union (NCUA charter #9915). 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 McCoy Federal Credit Union's TellerScore?
65 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 McCoy Federal Credit Union have?
16 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Orlando
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Credit UnionCredit union New Rockford, ND | 95 out of 100, Very strong | $171.6M | 17.7% | 0.22% | vs |
| Local 606 Electrical Workers Federal Credit UnionCredit union Orlando, FL | 89 out of 100, Very strong | $5.5M | 24.2% | 0.00% | vs |
| Portrait BankBank Winter Park, FL | 79 out of 100, Strong | $44.7M | 99.2% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Cypress Bank & TrustBank Melbourne, FL | 79 out of 100, Strong | $256.8M | 11.8% | 0.00% | vs |
| First Colony Bank of FloridaBank Maitland, FL | 79 out of 100, Strong | $291.1M | 9.9% | 0.17% | vs |