TellerScore

Tampa Postal Federal Credit Union (NCUA charter #4395) is based in Tampa, Florida. Its Q2 2026 call report shows $98.2M in total assets and $90.2M in member shares and deposits and 2 offices.

Tampa Postal Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 62nd. Funding & liquidity contributes the most (100/100, 39% loans-to-deposits, 2% uninsured); earnings contributes the least (12/100, -0.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 11.03%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings12/100
Return on assets (annualized): -0.21%
Funding & liquidity100/100
Loans ÷ shares: 39.2% · 2.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.67%

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 11 points (80 → 69), mostly because the earnings component weakened by 60 points.

TellerScore
657380Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202466
Q4 202468
Q1 202571
Q2 202580
Q3 202573
Q4 202572
Q1 202666
Q2 202669
Net worth ratio
7.00%9.18%11.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.23%
Q3 202411.31%
Q4 202411.36%
Q1 202510.89%
Q2 202511.23%
Q3 202511.28%
Q4 202511.11%
Q1 202610.82%
Q2 202611.03%
Delinquent loans (60+ days)
0.17%0.47%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.78%
Q4 20240.47%
Q1 20250.36%
Q2 20250.40%
Q3 20250.59%
Q4 20250.34%
Q1 20260.17%
Q2 20260.21%
Return on assets
-0.59%0.36%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.09%
Q3 2024-0.05%
Q4 2024-0.07%
Q1 20250.34%
Q2 20251.31%
Q3 20250.62%
Q4 20250.31%
Q1 2026-0.59%
Q2 2026-0.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$98.2M11.03%0.21%-0.21%39.2%
Q1 202666$99.7M10.82%0.17%-0.59%38.5%
Q4 202572$98.4M11.11%0.34%0.31%40.7%
Q3 202573$98.6M11.28%0.59%0.62%41.4%
Q2 202580$100.9M11.23%0.40%1.31%37.2%
Q1 202571$98.8M10.89%0.36%0.34%37.4%
Q4 202468$94.0M11.36%0.47%-0.07%38.0%
Q3 202466$95.1M11.31%0.78%-0.05%38.6%
Q2 202465$95.7M11.23%0.71%-0.09%38.6%

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 ratio11.03%
24th
Problem loans0.21%
73rd
Net charge-offs0.62%
23rd
Return on assets-0.21%
15th
Loans to deposits39.2%
79th
Uninsured deposits2.4%
41st
Loan-loss reserves0.00%
37th
Texas ratio0.7%
72nd

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InstitutionScoreAssetsCapitalProblem loansCompare
Memorial Employees Financial Credit UnionCredit union Hollywood, FL73 out of 100, Strong$92.5M11.1%0.18%vs
My Pensacola Federal Credit UnionCredit union Pensacola, FL85 out of 100, Very strong$89.1M17.9%0.29%vs
T M H Federal Credit UnionCredit union Tallahassee, FL59 out of 100, Moderate$87.4M10.1%0.91%vs
Ficare Federal Credit UnionCredit union Wesley Chapel, FL69 out of 100, Moderate$77.4M13.1%0.94%vs
Emerald Coast Federal Credit UnionCredit union Port St Joe, FL60 out of 100, Moderate$65.4M7.8%0.32%vs
Priority Credit UnionCredit union Orlando, FL32 out of 100, Low$56.1M8.6%3.17%vs

Deposit insurance

Is my money safe at Tampa Postal Federal Credit Union?

Yes. Tampa Postal Federal Credit Union is a federally insured credit union (NCUA charter #4395). 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 ($2.2M) 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 11.03%, 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

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tampa Postal Federal Credit Union reported 33 home-loan applications under HMDA (LEI 549300UICMP0IGY0RG32): 22 originated ($1,460,000 total), 6 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.4%, 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.

Identity & history

Profile

Legal name
Tampa Postal Federal Credit Union
Type
Federal credit union
NCUA charter #
4395
RSSD ID
72070
Primary regulator
NCUA
Established
1941
Headquarters
Po Box 17659, Tampa, FL 33682
Employees
23

Quick answers

Tampa Postal Federal Credit Union: common questions

Is Tampa Postal Federal Credit Union NCUA insured?

Yes. Tampa Postal Federal Credit Union is a federally insured credit union (NCUA charter #4395). 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 Postal Federal Credit Union's TellerScore?

69 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 Tampa Postal Federal Credit Union have?

2 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
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Gallup Federal Credit UnionCredit union Omaha, NE84 out of 100, Strong$16.4M18.1%0.05%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