Usf Federal Credit Union (NCUA charter #24223) is based in Tampa, Florida. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in member shares and deposits and 10 offices.
Usf Federal Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 25% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 86th. Problem-loan coverage contributes the most (87/100, 6.3%); earnings contributes the least (34/100, 0.36%).
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 (60 → 60).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 54 |
| Q4 2024 | 56 |
| Q1 2025 | 63 |
| Q2 2025 | 60 |
| Q3 2025 | 58 |
| Q4 2025 | 58 |
| Q1 2026 | 59 |
| Q2 2026 | 60 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.30% |
| Q3 2024 | 9.35% |
| Q4 2024 | 8.98% |
| Q1 2025 | 10.87% |
| Q2 2025 | 10.67% |
| Q3 2025 | 10.65% |
| Q4 2025 | 10.63% |
| Q1 2026 | 10.78% |
| Q2 2026 | 10.62% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.99% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.77% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $1.4B | 10.62% | 0.77% | 0.36% | 101.1% |
| Q1 2026 | 59 | $1.4B | 10.78% | 0.80% | 0.25% | 99.8% |
| Q4 2025 | 58 | $1.4B | 10.63% | 0.99% | 0.30% | 96.1% |
| Q3 2025 | 58 | $1.3B | 10.65% | 0.87% | 0.27% | 103.0% |
| Q2 2025 | 60 | $1.3B | 10.67% | 0.78% | 0.30% | 101.1% |
| Q1 2025 | 63 | $1.2B | 10.87% | 0.59% | 0.35% | 96.7% |
| Q4 2024 | 56 | $1.2B | 8.98% | 0.67% | 0.27% | 98.4% |
| Q3 2024 | 54 | $1.1B | 9.35% | 0.87% | 0.23% | 101.6% |
| Q2 2024 | 56 | $1.1B | 9.30% | 0.75% | 0.27% | 98.9% |
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).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Launch Credit UnionCredit union Merritt Island, FL | 54 out of 100, Below average | $1.4B | 9.3% | 0.95% | vs |
| Gulf Winds Credit UnionCredit union Pensacola, FL | 69 out of 100, Moderate | $1.4B | 9.9% | 0.44% | vs |
| Community Credit Union of FloridaCredit union Rockledge, FL | 70 out of 100, Strong | $1.4B | 11.3% | 0.22% | vs |
| First Florida Credit UnionCredit union Jacksonville, FL | 72 out of 100, Strong | $1.5B | 12.9% | 0.65% | vs |
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | vs |
| First Commerce Credit UnionCredit union Tallahassee, FL | 65 out of 100, Moderate | $1.2B | 10.1% | 0.50% | vs |
Deposit insurance
Is my money safe at Usf Federal Credit Union?
Yes. Usf Federal Credit Union is a federally insured credit union (NCUA charter #24223). 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 10.7% of shares and deposits ($127.1M) 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 10.62%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
10 locations
Branches
Usf Federal Credit Union lists 10 offices in 7 cities. Most locations:
- Tampa, FL (4)
- Odessa, FL (1)
- Orlando, FL (1)
- Saint Petersburg, FL (1)
- Sarasota, FL (1)
- Temple Terrace, FL (1)
- Winter Park, FL (1)
HMDA 2025
Mortgage lending
In 2025, Usf Federal Credit Union reported 682 home-loan applications under HMDA (LEI 549300LDC5KWHWDXTW48): 324 originated ($68,310,000 total), 204 denied, and 138 withdrawn or closed by the applicant. Its denial rate on decided applications was 37.5%, 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
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Visa Platinum Rewards | 12.99% – 17.99% | $0 | $27 | 1.0% |
| Visa Signature Rewards | 12.99% – 17.99% | $0 | $27 | 1.0% |
| Visa Traditional | 11.99% – 17.99% | $0 | $27 | 1.0% |
Identity & history
Profile
- Legal name
- Usf Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24223
- RSSD ID
- 373795
- Primary regulator
- NCUA
- Established
- 1985
- Headquarters
- PO Box 47989, Tampa, FL 33646
- Employees
- 216
Quick answers
Usf Federal Credit Union: common questions
Is Usf Federal Credit Union NCUA insured?
Yes. Usf Federal Credit Union is a federally insured credit union (NCUA charter #24223). 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 Usf Federal Credit Union's TellerScore?
60 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 Usf Federal Credit Union have?
10 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 |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Gallup Federal Credit UnionCredit union Omaha, NE | 84 out of 100, Strong | $16.4M | 18.1% | 0.05% | 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 |