Headquartered in Tampa, Florida, Trax Federal Credit Union is a federal credit union with $485.1M in total assets and $416.4M in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1935.
Based on its Q2 2026 filing, Trax Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 76th. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 11% uninsured), and its lowest is earnings (31/100; 0.28%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 67 |
| Q4 2024 | 64 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 67 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.45% |
| Q3 2024 | 12.61% |
| Q4 2024 | 12.39% |
| Q1 2025 | 12.21% |
| Q2 2025 | 12.26% |
| Q3 2025 | 12.52% |
| Q4 2025 | 12.77% |
| Q1 2026 | 12.78% |
| Q2 2026 | 12.98% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.44% |
| Q4 2024 | 1.78% |
| Q1 2025 | 1.44% |
| Q2 2025 | 1.45% |
| Q3 2025 | 1.76% |
| Q4 2025 | 1.85% |
| Q1 2026 | 1.41% |
| Q2 2026 | 1.80% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $485.1M | 12.98% | 1.80% | 0.28% | 51.9% |
| Q1 2026 | 67 | $490.1M | 12.78% | 1.41% | 0.31% | 49.5% |
| Q4 2025 | 64 | $487.7M | 12.77% | 1.85% | 0.37% | 47.0% |
| Q3 2025 | 63 | $495.4M | 12.52% | 1.76% | 0.27% | 47.8% |
| Q2 2025 | 64 | $501.1M | 12.26% | 1.45% | 0.16% | 46.2% |
| Q1 2025 | 64 | $520.2M | 12.21% | 1.44% | 0.12% | 45.3% |
| Q4 2024 | 64 | $504.5M | 12.39% | 1.78% | 0.42% | 49.0% |
| Q3 2024 | 67 | $492.8M | 12.61% | 1.44% | 0.44% | 52.4% |
| Q2 2024 | 66 | $489.0M | 12.45% | 1.38% | 0.28% | 54.8% |
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).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Velocity Community Credit UnionCredit union Palm Beach Gard, FL | 74 out of 100, Strong | $491.7M | 12.6% | 0.55% | vs |
| Tampa Bay Federal Credit UnionCredit union Tampa, FL | 52 out of 100, Below average | $493.9M | 10.5% | 1.78% | vs |
| Champions First Credit UnionCredit union Tallahassee, FL | 60 out of 100, Moderate | $540.7M | 10.8% | 1.27% | vs |
| San Antonio Citizens Federal Credit UnionCredit union San Antonio, FL | 78 out of 100, Strong | $399.9M | 11.0% | 0.28% | vs |
| Orlando Credit UnionCredit union Orlando, FL | 59 out of 100, Moderate | $379.2M | 9.0% | 0.53% | vs |
| Panhandle Credit UnionCredit union Panama City, FL | 87 out of 100, Very strong | $367.9M | 13.5% | 0.27% | vs |
Deposit insurance
Is my money safe at Trax Federal Credit Union?
Yes. Trax Federal Credit Union is a federally insured credit union (NCUA charter #24703). 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 11.5% of shares and deposits ($47.9M) 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 12.98%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
9 locations
Branches
Trax Federal Credit Union lists 9 offices in 8 cities. Most locations:
- Lakeland, FL (2)
- Brandon, FL (1)
- Plant City, FL (1)
- Riverview, FL (1)
- Ruskin, FL (1)
- Tampa, FL (1)
- Temple Terrace, FL (1)
- Zephyrhills, FL (1)
HMDA 2025
Mortgage lending
In 2025, Trax Federal Credit Union reported 12 home-loan applications under HMDA (LEI 549300KEN9618A3NSC95): 7 originated ($1,095,000 total), 3 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.0%, 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
- Trax Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24703
- RSSD ID
- 49072
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- 3710 50th St N, Tampa, FL 33619
- Employees
- 91
Quick answers
Trax Federal Credit Union: common questions
Is Trax Federal Credit Union NCUA insured?
Yes. Trax Federal Credit Union is a federally insured credit union (NCUA charter #24703). 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 Trax Federal Credit Union's TellerScore?
64 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 Trax Federal Credit Union have?
9 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Tampa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Street Credit UnionCredit union Sarasota, FL | 89 out of 100, Very strong | $34.5M | 14.7% | 0.10% | vs |
| Transport Credit UnionCredit union Tampa, FL | 85 out of 100, Very strong | $35.8M | 18.6% | 0.52% | vs |
| Gallup Federal Credit UnionCredit union Omaha, NE | 84 out of 100, Strong | $16.4M | 18.1% | 0.05% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Florida Customs Federal Credit UnionCredit union Tampa, FL | 83 out of 100, Strong | $6.8M | 26.8% | 0.40% | vs |
| Franklin-Somerset Federal Credit UnionCredit union Madison, ME | 81 out of 100, Strong | $149.3M | 12.9% | 0.75% | vs |