TellerScore

Suwannee River Federal Credit Union is a federal credit union headquartered in Live Oak, Florida, in business for about 90 years. At the end of Q2 2026 it reported $25.7M in total assets and $22.5M in member shares and deposits, with 2 offices.

Suwannee River Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 16th. Problem-loan coverage contributes the most (100/100, 0.1%); earnings contributes the least (62/100, 1.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.11%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity98/100
Loans ÷ shares: 62.6% · 2.4% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.12%

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 3 points (80 → 83), mostly because the earnings component weakened by 15 points.

TellerScore
707783Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202472
Q1 202582
Q2 202580
Q3 202581
Q4 202583
Q1 202682
Q2 202683
Net worth ratio
7.00%9.55%12.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.19%
Q3 20249.62%
Q4 202410.01%
Q1 202510.01%
Q2 202510.75%
Q3 202511.04%
Q4 202511.79%
Q1 202611.76%
Q2 202612.11%
Delinquent loans (60+ days)
0.00%0.11%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.01%
Q4 20240.12%
Q1 20250.00%
Q2 20250.22%
Q3 20250.11%
Q4 20250.08%
Q1 20260.00%
Q2 20260.03%
Return on assets
0.46%1.03%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.47%
Q4 20240.51%
Q1 20251.59%
Q2 20251.42%
Q3 20251.30%
Q4 20251.26%
Q1 20261.00%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$25.7M12.11%0.03%1.06%62.6%
Q1 202682$25.9M11.76%0.00%1.00%62.7%
Q4 202583$25.6M11.79%0.08%1.26%64.1%
Q3 202581$26.7M11.04%0.11%1.30%60.1%
Q2 202580$26.8M10.75%0.22%1.42%61.9%
Q1 202582$28.0M10.01%0.00%1.59%59.7%
Q4 202472$26.9M10.01%0.12%0.51%61.7%
Q3 202471$27.4M9.62%0.01%0.47%60.9%
Q2 202470$27.7M9.19%0.01%0.46%61.1%

2,479 peers · Under $100 million in assets

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 ratio12.11%
32nd
Problem loans0.03%
85th
Net charge-offs0.27%
41st
Return on assets1.06%
70th
Loans to deposits62.6%
44th
Uninsured deposits2.4%
41st
Loan-loss reserves0.00%
37th
Texas ratio0.1%
84th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Compass Financial Federal Credit UnionCredit union Hialeah, FL64 out of 100, Moderate$25.9M10.5%0.17%vs
Monroe County Teachers Federal Credit UnionCredit union Key West, FL38 out of 100, Low$24.0M9.4%2.09%vs
Financial Educators Federal Credit UnionCredit union Daytona Beach, FL90 out of 100, Very strong$23.5M15.7%0.00%vs
Florida a & M University Federal Credit UnionCredit union Tallahassee, FL43 out of 100, Below average$28.0M11.9%3.46%vs
Farmers Federal Credit UnionCredit union Jacksonville, FL73 out of 100, Strong$22.4M10.6%0.00%vs
Metro North Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$21.7M16.7%0.07%vs

Deposit insurance

Is my money safe at Suwannee River Federal Credit Union?

Yes. Suwannee River Federal Credit Union is a federally insured credit union (NCUA charter #1086). 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 2.4% of shares and deposits ($533K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.11%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Suwannee River Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Jasper, FL (1)
  • Live Oak, FL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Suwannee River Federal Credit Union
Type
Federal credit union
NCUA charter #
1086
RSSD ID
219174
Primary regulator
NCUA
Established
1936
Headquarters
203 Pinewood Way, Sw, Live Oak, FL 32064
Employees
9

Quick answers

Suwannee River Federal Credit Union: common questions

Is Suwannee River Federal Credit Union NCUA insured?

Yes. Suwannee River Federal Credit Union is a federally insured credit union (NCUA charter #1086). 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 Suwannee River Federal Credit Union's TellerScore?

83 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 Suwannee River Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Live Oak

InstitutionScoreAssetsCapitalProblem loansCompare
Campus USA Credit UnionCredit union Gainesville, FL76 out of 100, Strong$4.0B12.3%0.38%vs
Lafayette State BankBank Mayo, FL74 out of 100, Strong$252.2M9.9%0.06%vs
Ameris BankBank Atlanta, GA67 out of 100, Moderate$28.4B11.4%0.57%vs
Radiant Credit UnionCredit union Gainesville, FL65 out of 100, Moderate$1.1B9.5%0.47%vs
Renasant BankBank Tupelo, MS64 out of 100, Moderate$27.0B10.7%0.96%vs
TD Bank, National AssociationBank Wilmington, DE63 out of 100, Moderate$342.8B10.3%1.11%vs