State credit union · Gainesville, Florida · NCUA charter #68391
Campus USA
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $3.85B
- Total assets
- 160,308
- Members
- 12.2%
- Net-worth ratio
Campus USA scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.85B; members 160,308; net-worth ratio 12.15%; health rank #1,966 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,966 of 4,374 health · 2025Q4Campus USA · health 85/100 · $3.85B · 2025Q4
Call Report peers
Campus USA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Campus USA vs every NCUA-scored credit union
Campus USA sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Campus USA diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +12.72 pp (96.62% vs 83.90%).
Florida standing for Campus USA
- Health composite ranks #59 of 109 among scored Florida credit unions.
- By total assets, Campus USA is #6 of 109 in Florida.
- Membership ranks #12 of 109 among Florida CUs with a reported count (160,308 members).
- One place up in Florida, EGLIN (#58) ties at 85/100; one place down, ALIVE (#60) ties at 85/100.
How Campus USA's 5300 filing moved
Campus USA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $3.85B (2025Q4) to $3.97B (2026Q1).
- Net-worth ratio shifted -0.05 pp (12.20% → 12.15%).
12.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Campus USA gives up 15 points in total. Member Growth costs the most, 11.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 11.9 pts
Campus USA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.15% | +0.97 pp |
| Delinquency Rate | 0.43% | -0.45 pp |
| Return on Assets | 0.99% | +0.48 pp |
| Member Growth | -3.27% | - |
| Loan-to-Share Ratio | 96.62% | +12.72 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Campus USA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.97B | - |
| 2025Q4 | $3.85B | 160,308 |
| 2024Q4 | $3.41B | 165,724 |
| 2023Q4 | $3.18B | 156,013 |
Credit Union Details
- Charter Number
- 68391
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Gainesville
- Data Quarter
- 2025Q4
Branch Locations (23)
Campus USA operates 23 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | Newberry, FL |
| Alachua | Alachua, FL |
| Crawfordville | Crawfordville, FL |
| East Campus | Gainesville, FL |
| West Campus | Gainesville, FL |
| Health Center | Gainesville, FL |
| Hunter's Walk | Gainesville, FL |
| Springhills Commons | Gainesville, FL |
| Tower Square | Gainesville, FL |
| Innovation Square | Gainesville, FL |
| Lake City | Lake City, FL |
| Leesburg | Leesburg, FL |
| Jonesville Service Center | Newberry, FL |
| Ocala | Ocala, FL |
| Ocala Silver Springs | Ocala, FL |
| Ocala West Marion | Ocala, FL |
| Heath Brook | Ocala, FL |
| Summerfield | Summerfield, FL |
| Killearn | Tallahassee, FL |
| Governor's Crossing | Tallahassee, FL |
| Mahan Village | Tallahassee, FL |
| Grand Traverse | The Villages, FL |
| Lake Deaton Branch | The Villages, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Other-state peers near Campus USA
Similar total assets
Using this data
- Campus USA ranks #1,966 of 4,374 nationally on financial health and #59 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Addition Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Addition Financial
Frequently Asked Questions
Is Campus USA financially healthy?
Campus USA has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,966 of 4,374 nationally on health and #59 of 109 in Florida. Its net worth ratio is 12.15% and its delinquency rate 0.43%.
How does Campus USA compare to other credit unions?
Campus USA scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (96.62% vs 83.90%).
How can I join Campus USA?
Membership eligibility for Campus USA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Campus USA directly for current membership requirements and application steps.
Is my money safe at Campus USA?
Campus USA is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Campus USA's net worth ratio of 12.15% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.