TellerScore

Headquartered in Tampa, Florida, Tampa Bay Federal Credit Union is a federal credit union with $493.9M in total assets and $418.0M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, Tampa Bay Federal Credit Union scores 52/100, which we describe as below average. That is higher than only 8% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 101st. Its strongest component is problem-loan coverage (72/100; 13.8%), and its lowest is earnings (39/100; 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.49%
Loan quality41/100
Loans 60+ days delinquent ÷ total loans: 1.78%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity67/100
Loans ÷ shares: 93.3% · 4.3% uninsured
Problem-loan coverage72/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.78%

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 (49 → 52), mostly because the earnings component improved by 14 points.

TellerScore
485154Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202454
Q4 202451
Q1 202551
Q2 202549
Q3 202548
Q4 202548
Q1 202652
Q2 202652
Net worth ratio
7.00%9.25%11.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.16%
Q3 202411.50%
Q4 202411.33%
Q1 202511.04%
Q2 202510.56%
Q3 202510.41%
Q4 202510.54%
Q1 202610.49%
Q2 202610.49%
Delinquent loans (60+ days)
1.66%1.95%2.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.66%
Q3 20241.82%
Q4 20242.24%
Q1 20251.85%
Q2 20251.96%
Q3 20251.94%
Q4 20252.13%
Q1 20261.68%
Q2 20261.78%
Return on assets
0.12%0.35%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.51%
Q4 20240.58%
Q1 20250.12%
Q2 20250.14%
Q3 20250.25%
Q4 20250.37%
Q1 20260.37%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$493.9M10.49%1.78%0.47%93.3%
Q1 202652$493.0M10.49%1.68%0.37%91.0%
Q4 202548$477.9M10.54%2.13%0.37%91.4%
Q3 202548$475.6M10.41%1.94%0.25%89.9%
Q2 202549$490.2M10.56%1.96%0.14%86.6%
Q1 202551$495.2M11.04%1.85%0.12%83.0%
Q4 202451$442.1M11.33%2.24%0.58%92.6%
Q3 202454$427.6M11.50%1.82%0.51%96.8%
Q2 202454$432.6M11.16%1.66%0.34%95.8%

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 ratio10.49%
36th
Problem loans1.78%
9th
Net charge-offs0.98%
10th
Return on assets0.47%
28th
Loans to deposits93.3%
11th
Uninsured deposits4.3%
69th
Loan-loss reserves0.00%
50th
Texas ratio13.8%
6th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Velocity Community Credit UnionCredit union Palm Beach Gard, FL74 out of 100, Strong$491.7M12.6%0.55%vs
Trax Federal Credit UnionCredit union Tampa, FL64 out of 100, Moderate$485.1M13.0%1.80%vs
Champions First Credit UnionCredit union Tallahassee, FL60 out of 100, Moderate$540.7M10.8%1.27%vs
San Antonio Citizens Federal Credit UnionCredit union San Antonio, FL78 out of 100, Strong$399.9M11.0%0.28%vs
Orlando Credit UnionCredit union Orlando, FL59 out of 100, Moderate$379.2M9.0%0.53%vs
Panhandle Credit UnionCredit union Panama City, FL87 out of 100, Very strong$367.9M13.5%0.27%vs

Deposit insurance

Is my money safe at Tampa Bay Federal Credit Union?

Yes. Tampa Bay Federal Credit Union is a federally insured credit union (NCUA charter #352). 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 4.3% of shares and deposits ($17.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.49%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Tampa Bay Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tampa Bay Federal Credit Union reported 34 home-loan applications under HMDA (LEI 549300SCF56K6YEG7X54): 17 originated ($3,725,000 total), 3 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, 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
Tampa Bay Federal Credit Union
Type
Federal credit union
NCUA charter #
352
RSSD ID
582074
Primary regulator
NCUA
Established
1935
Headquarters
3815 N Nebraska Avenue, Tampa, FL 33603
Employees
105

Quick answers

Tampa Bay Federal Credit Union: common questions

Is Tampa Bay Federal Credit Union NCUA insured?

Yes. Tampa Bay Federal Credit Union is a federally insured credit union (NCUA charter #352). 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 Tampa Bay Federal Credit Union's TellerScore?

52 out of 100 (Below average), 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 Tampa Bay Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tampa

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Transport Credit UnionCredit union Tampa, FL85 out of 100, Very strong$35.8M18.6%0.52%vs
Gallup Federal Credit UnionCredit union Omaha, NE84 out of 100, Strong$16.4M18.1%0.05%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs
Franklin-Somerset Federal Credit UnionCredit union Madison, ME81 out of 100, Strong$149.3M12.9%0.75%vs