State credit union · CLEARWATER, Florida · NCUA charter #67323
City-County Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $41.4M
- Total assets
- 3,932
- Members
- 8.2%
- Net-worth ratio
City-County Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.4M; members 3,932; net-worth ratio 8.24%; health rank #2,029 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,029 of 4,374 health · 2025Q4City-County Employees · health 85/100 · $41.4M · 2025Q4
- RANK 85/100
- PHOTO 8.2%
- BOOK 0.62%
- CHARTER 0.30%
- NCUSIF $41.4M
- CAMELS 3,932
- HEALTH #2,029/4,374
- NW Fort Dodge Family
- DELQ 67323
Call Report peers
City-County Employees in the assets neighbourhood
City-County Employees's $41.4M assets sit next to Fort Dodge Family ($41.4M) 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.
City-County Employees 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
City-County Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67323: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where City-County Employees diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +5.26 pp (65.06% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -6.62 pp (8.24% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
City-County Employees: in-state Call Report ranks
- In Florida, health place is #62 of 109 on the same NCUA-ratio sort used nationally.
- By total assets, City-County Employees is #85 of 109 in Florida.
- Florida membership ordinal: #81 of 109.
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 City-County Employees's 5300 filing moved
City-County Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $41.4M (2025Q4) to $42.2M (2026Q1).
- Net-worth ratio shifted +0.05 pp (8.19% → 8.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.24% 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 25.6 pts
- Delinquency Rate 23.8 pts
- Return on Assets 12.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 14.3 pts
City-County Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.24% | -6.62 pp |
| Delinquency Rate | 0.62% | -0.53 pp |
| Return on Assets | 0.30% | -0.41 pp |
| Member Growth | 0.28% | - |
| Loan-to-Share Ratio | 65.06% | +5.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - City-County Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.2M | - |
| 2025Q4 | $41.4M | 3,932 |
| 2024Q4 | $40.1M | 3,921 |
| 2023Q4 | $36.6M | 3,882 |
Credit Union Details
- Charter Number
- 67323
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Florida
- City
- CLEARWATER
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for City-County Employees.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | Clearwater, FL |
| Fi Care Federal Credit Union | Clearwater, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Cross-state Call Report peers for City-County Employees
Two NCUA Call Report peer sets for City-County Employees, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($41.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- City-County Employees ranks #2,029 of 4,374 nationally on financial health and #62 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jax Fire is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jax Fire
- 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 City-County Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, City-County Employees carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,029 of 4,374; by total assets it ranks #2,567 of 4,374 nationally (same basis as /rankings/largest); and #85 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.24% net worth ratio and a 0.62% delinquency rate.
How does City-County Employees compare to other credit unions?
City-County Employees scores 85/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 City-County Employees?
Membership eligibility for City-County Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact City-County Employees directly for current membership requirements and application steps.
Is my money safe at City-County Employees?
Federal credit unions like City-County Employees 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. City-County Employees's net worth ratio of 8.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does City-County Employees offer compared to banks?
Credit unions like City-County Employees 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 City-County Employees 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.