State credit union · Rockledge, Florida · NCUA charter #60816
Community Credit Union of Florida
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.46B
- Total assets
- 55,446
- Members
- 11.1%
- Net-worth ratio
Community Credit Union of Florida scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.46B; members 55,446; net-worth ratio 11.07%; health rank #802 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#802 of 4,374 health · 2025Q4Community · health 92/100 · $1.46B · 2025Q4
- PHOTO 92/100
- BOOK 11.1%
- CHARTER 0.37%
- NCUSIF 0.30%
- CAMELS $1.46B
- HEALTH 55,446
- NW #802/4,374
- DELQ First Commonwealth
- ROA 60816
Call Report peers
Community Credit Union of Florida in the assets neighbourhood
Community Credit Union of Florida's $1.46B assets sit next to First Commonwealth ($1.45B) 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.
Community Credit Union of Florida 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
92 Top 20% higher than 80% 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
Community Credit Union of Florida - Share Insurance Coverage
Charter #60816's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Community Credit Union of Florida vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 88.46% here, 83.90% peer average (+4.56 pp).
- Return on Assets trails the peer set - 0.30% here, 0.51% peer average (-0.20 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Community Credit Union of Florida sits in Florida
- Florida health ordinal: #34 of 109.
- By total assets, Community Credit Union of Florida is #20 of 109 in Florida.
- Member book place in Florida: #29 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.
Community Credit Union of Florida Call Report trajectory
Community Credit Union of Florida: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $1.46B (2025Q4) to $1.45B (2026Q1).
- Net-worth ratio shifted +0.14 pp (10.93% → 11.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.07%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.07% | -0.11 pp |
| Delinquency Rate | 0.37% | -0.51 pp |
| Return on Assets | 0.30% | -0.20 pp |
| Member Growth | 0.56% | - |
| Loan-to-Share Ratio | 88.46% | +4.56 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).
Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.45B | - |
| 2025Q4 | $1.46B | 55,446 |
| 2024Q4 | $1.37B | 55,137 |
| 2023Q4 | $1.28B | 57,088 |
Credit Union Details
- Charter Number
- 60816
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Rockledge
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, Community Credit Union of Florida runs 8 offices in 6 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Rockledge, FL |
| Pt St John | Cocoa, FL |
| Indian Harbour Beach | Indian Harbour Beach, FL |
| Melbourne Office | Melbourne, FL |
| Palm Bay | Melbourne, FL |
| Pineda | Melbourne, FL |
| Titusville | Titusville, FL |
| Viera West | Viera, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Community Credit Union of Florida
Cross-state asset and health neighbours for Community Credit Union of Florida - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.46B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Community Credit Union of Florida ranks #802 of 4,374 nationally on financial health and #34 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Florida is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Florida
- 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 Community Credit Union of Florida financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Community Credit Union of Florida's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #802 of 4,374; by total assets it ranks #334 of 4,374 nationally (same basis as /rankings/largest); and #20 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.07% net worth ratio and 0.37% delinquency rate are the key drivers.
How does Community Credit Union of Florida compare to other credit unions?
Community Credit Union of Florida scores 92/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 Community Credit Union of Florida?
Membership eligibility for Community Credit Union of Florida depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Credit Union of Florida directly for current membership requirements and application steps.
Is my money safe at Community Credit Union of Florida?
Federal credit unions like Community Credit Union of Florida 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. Community Credit Union of Florida's net worth ratio of 11.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Credit Union of Florida offer compared to banks?
Credit unions like Community Credit Union of Florida 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 Community Credit Union of Florida 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.