TellerScore

Headquartered in Lakeland, Florida, Publix Employees Federal Credit Union is a federal credit union with $1.8B in total assets and $1.6B in member shares and deposits as of Q2 2026. It operates 10 offices across 2 states. Its charter dates back to 1978.

Publix Employees Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 40th. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (57/100, 0.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.29%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity91/100
Loans ÷ shares: 68.9% · 9.9% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.65%

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 6 points (80 → 74), mostly because the loan quality component weakened by 9 points.

TellerScore
737780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202473
Q4 202474
Q1 202580
Q2 202580
Q3 202579
Q4 202578
Q1 202676
Q2 202674
Net worth ratio
7.00%9.43%11.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.86%
Q3 202411.45%
Q4 202411.59%
Q1 202511.53%
Q2 202511.62%
Q3 202511.70%
Q4 202511.62%
Q1 202611.18%
Q2 202611.29%
Delinquent loans (60+ days)
0.20%0.34%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.28%
Q4 20240.35%
Q1 20250.23%
Q2 20250.20%
Q3 20250.26%
Q4 20250.43%
Q1 20260.39%
Q2 20260.48%
Return on assets
0.34%0.73%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.34%
Q4 20240.48%
Q1 20251.10%
Q2 20251.11%
Q3 20251.10%
Q4 20251.10%
Q1 20260.90%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$1.8B11.29%0.48%0.93%68.9%
Q1 202676$1.8B11.18%0.39%0.90%64.3%
Q4 202578$1.7B11.62%0.43%1.10%67.4%
Q3 202579$1.6B11.70%0.26%1.10%68.5%
Q2 202580$1.6B11.62%0.20%1.11%67.2%
Q1 202580$1.6B11.53%0.23%1.10%62.9%
Q4 202474$1.5B11.59%0.35%0.48%58.2%
Q3 202473$1.5B11.45%0.28%0.34%59.3%
Q2 202479$1.5B11.86%0.30%0.82%58.6%

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 ratio11.29%
58th
Problem loans0.48%
71st
Net charge-offs0.60%
40th
Return on assets0.93%
62nd
Loans to deposits68.9%
87th
Uninsured deposits9.9%
42nd
Loan-loss reserves0.00%
50th
Texas ratio2.7%
80th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Tyndall Federal Credit UnionCredit union Panama City, FL89 out of 100, Very strong$1.9B13.6%0.26%vs
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
First Florida Credit UnionCredit union Jacksonville, FL72 out of 100, Strong$1.5B12.9%0.65%vs
Community Credit Union of FloridaCredit union Rockledge, FL70 out of 100, Strong$1.4B11.3%0.22%vs
Launch Credit UnionCredit union Merritt Island, FL54 out of 100, Below average$1.4B9.3%0.95%vs

Deposit insurance

Is my money safe at Publix Employees Federal Credit Union?

Yes. Publix Employees Federal Credit Union is a federally insured credit union (NCUA charter #23020). 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 9.9% of shares and deposits ($159.0M) 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 11.29%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Publix Employees Federal Credit Union lists 10 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Publix Employees Federal Credit Union reported 419 home-loan applications under HMDA (LEI 5493009KQ3D6Q5VM0B61): 89 originated ($30,985,000 total), 106 denied, and 200 withdrawn or closed by the applicant. Its denial rate on decided applications was 48.4%, 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
Visa Platinum9.90%$0$201.0%
Visa Secured9.90%$0$201.0%

All Publix Employees Federal Credit Union card terms

Identity & history

Profile

Legal name
Publix Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
23020
RSSD ID
216089
Primary regulator
NCUA
Established
1978
Headquarters
P.O. Box 1000, Lakeland, FL 33802
Employees
274

Quick answers

Publix Employees Federal Credit Union: common questions

Is Publix Employees Federal Credit Union NCUA insured?

Yes. Publix Employees Federal Credit Union is a federally insured credit union (NCUA charter #23020). 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 Publix Employees Federal Credit Union's TellerScore?

74 out of 100 (Strong), 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 Publix Employees Federal Credit Union have?

10 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lakeland

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Crews Bank & TrustBank Wauchula, FL85 out of 100, Very strong$2.3B10.7%0.06%vs
Transport Credit UnionCredit union Tampa, FL85 out of 100, Very strong$35.8M18.6%0.52%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Florida West Coast Credit UnionCredit union Brandon, FL79 out of 100, Strong$144.2M12.0%0.25%vs