State credit union · CLEARWATER, Florida · NCUA charter #67323
City-county Employees
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $41.4M
- Total assets
- 3,932
- Members
- 8.2%
- Net-worth ratio
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.
City-county Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)85
- Asset quality (delinquency)95
- Earnings (ROA)80
- Member growth62
- Liquidity (loan-to-share)93
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.19% | 30% |
| Delinquency Rate | 0.62% | 25% |
| Return on Assets | 0.30% | 15% |
| Member Growth | 0.28% | 15% |
| Loan-to-Share Ratio | 65.06% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About City-county Employees
Charter #67323, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's City-county Employees, a state credit union in CLEARWATER, Florida with 3,932 members, $41.4M in total assets, and $25.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 84/100 (Excellent), helped by a net worth ratio of 8.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.62% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 65.06% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.30% on net income of $123K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.28%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 84/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.19% net worth ratio and a 0.62% delinquency rate.
How does City-county Employees compare to other credit unions?
City-county Employees scores 84/100 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 8.19% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.