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
Call Report peers
City-County Employees in the assets neighbourhood
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City-County Employees vs every NCUA-scored credit union
City-County Employees 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Florida, Priorityone Credit Union of Florida (#61) ties at 85/100; one place down, Connect Credit Union (#63) scores 84/100, 1 point lower.
How City-County Employees's 5300 filing moved
City-County Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $41.4M (2025Q4) to $42.2M (2026Q1).
- Net-worth ratio shifted +0.05 pp (8.19% → 8.24%).
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
City-County Employees gives up 15 points in total. Member Growth costs the most, 5.7 of its 15; Loan-to-Share Ratio loses the least, 1.1.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is City-County Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, City-County Employees scores 85/100 (Excellent), with a 8.24% net worth ratio and 0.62% of loans delinquent. It ranks #2,029 of 4,374 nationally on health and #62 of 109 in Florida.
How does City-County Employees compare to other credit unions?
City-County Employees scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (65.06% vs 59.80%). Its widest shortfall is net worth ratio (8.24% vs 14.86%).
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?
City-County Employees 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. City-County Employees's net worth ratio of 8.24% 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.