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
- NCUSIF 85/100
- CAMELS 12.2%
- HEALTH 0.43%
- NW 0.99%
- DELQ $3.85B
- ROA 160,308
- ASSETS #1,966/4,374
- MEM ADVIA
- RANK 68391
Call Report peers
Campus USA in the assets neighbourhood
Campus USA's $3.85B assets sit next to ADVIA ($3.87B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Campus USA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68391, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Campus USA's 5300 filing moved
Campus USA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $3.85B (2025Q4) to $3.97B (2026Q1).
- Net-worth ratio shifted -0.05 pp (12.20% → 12.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Campus USA - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.85B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Campus USA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Campus USA carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,966 of 4,374; by total assets it ranks #130 of 4,374 nationally (same basis as /rankings/largest); and #6 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.15% net worth ratio and a 0.43% delinquency rate.
How does Campus USA compare to other credit unions?
On PlainCU's health composite, Campus USA lands at 85/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Campus USA are 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."
What rates does Campus USA offer compared to banks?
Credit unions like Campus USA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Campus USA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.