TellerScore

Orlando Credit Union (NCUA charter #68706) is based in Orlando, Florida. Its Q2 2026 call report shows $379.2M in total assets and $335.5M in member shares and deposits and 7 offices.

Orlando Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 90th. Problem-loan coverage contributes the most (91/100, 4.6%); earnings contributes the least (31/100, 0.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.04%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.53%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity76/100
Loans ÷ shares: 83.6% · 15.7% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.56%

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 6 points (53 → 59), mostly because the loan quality component improved by 23 points.

TellerScore
525863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202456
Q4 202457
Q1 202552
Q2 202553
Q3 202554
Q4 202557
Q1 202658
Q2 202659
Net worth ratio
7.00%8.28%9.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.86%
Q3 20248.65%
Q4 20248.62%
Q1 20258.81%
Q2 20258.97%
Q3 20259.15%
Q4 20259.56%
Q1 20269.22%
Q2 20269.04%
Delinquent loans (60+ days)
0.24%0.78%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20241.02%
Q4 20240.96%
Q1 20251.32%
Q2 20251.23%
Q3 20251.03%
Q4 20250.88%
Q1 20260.78%
Q2 20260.53%
Return on assets
0.13%0.34%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.56%
Q4 20240.50%
Q1 20250.32%
Q2 20250.28%
Q3 20250.13%
Q4 20250.28%
Q1 20260.29%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$379.2M9.04%0.53%0.28%83.6%
Q1 202658$364.2M9.22%0.78%0.29%83.1%
Q4 202557$343.5M9.56%0.88%0.28%87.8%
Q3 202554$356.5M9.15%1.03%0.13%84.2%
Q2 202553$359.4M8.97%1.23%0.28%78.4%
Q1 202552$362.8M8.81%1.32%0.32%77.3%
Q4 202457$385.7M8.62%0.96%0.50%78.7%
Q3 202456$376.9M8.65%1.02%0.56%83.0%
Q2 202463$357.7M8.86%0.24%0.45%87.6%

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 ratio9.04%
14th
Problem loans0.53%
62nd
Net charge-offs1.00%
10th
Return on assets0.28%
16th
Loans to deposits83.6%
32nd
Uninsured deposits15.7%
5th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
44th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Panhandle Credit UnionCredit union Panama City, FL87 out of 100, Very strong$367.9M13.5%0.27%vs
San Antonio Citizens Federal Credit UnionCredit union San Antonio, FL78 out of 100, Strong$399.9M11.0%0.28%vs
Harvesters Federal Credit UnionCredit union Cantonment, FL60 out of 100, Moderate$316.8M9.4%0.83%vs
Members First Credit Union of FloriCredit union Pensacola, FL93 out of 100, Very strong$315.8M15.4%0.43%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Jetstream Federal Credit UnionCredit union Miami Lakes, FL66 out of 100, Moderate$307.0M10.0%0.32%vs

Deposit insurance

Is my money safe at Orlando Credit Union?

Yes. Orlando Credit Union is a federally insured credit union (NCUA charter #68706). 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 15.7% of shares and deposits ($52.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.04%, 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

Orlando Credit Union lists 7 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Orlando Credit Union reported 49 home-loan applications under HMDA (LEI 549300ULZJK0NFBI8J68): 15 originated ($3,765,000 total), 31 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 67.4%, 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

CardPurchase APRAnnual feeLate feeForeign fee
Secured SMART Credit Card13.24% – 18.00%$0—1.0%
SMART Credit Card13.24% – 18.00%$0—1.0%
Xtreme Rewards Credit Card15.74% – 18.00%$0—0.0%

All Orlando Credit Union card terms

Identity & history

Profile

Legal name
Orlando Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68706
RSSD ID
1017975
Primary regulator
State + NCUA
Established
1936
Headquarters
945 S Orange Ave, Orlando, FL 32806
Employees
64

Quick answers

Orlando Credit Union: common questions

Is Orlando Credit Union NCUA insured?

Yes. Orlando Credit Union is a federally insured credit union (NCUA charter #68706). 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 Orlando Credit Union's TellerScore?

59 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 Orlando Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Orlando

InstitutionScoreAssetsCapitalProblem loansCompare
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs
Local 606 Electrical Workers Federal Credit UnionCredit union Orlando, FL89 out of 100, Very strong$5.5M24.2%0.00%vs
Portrait BankBank Winter Park, FL79 out of 100, Strong$44.7M99.2%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Cypress Bank & TrustBank Melbourne, FL79 out of 100, Strong$256.8M11.8%0.00%vs
First Colony Bank of FloridaBank Maitland, FL79 out of 100, Strong$291.1M9.9%0.17%vs