State credit union · Rockledge, Florida · NCUA charter #60816
Community Credit Union of Florida
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.46B
- Total assets
- 55,446
- Members
- 10.4%
- Net-worth ratio
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 - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)80
- Member growth64
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.42%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.42% | 30% |
| Delinquency Rate | 0.37% | 25% |
| Return on Assets | 0.30% | 15% |
| Member Growth | 0.56% | 15% |
| Loan-to-Share Ratio | 88.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Community Credit Union of Florida
The five-factor composite scores Community Credit Union of Florida at 92/100 (Excellent), reflecting a net worth ratio of 10.42% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Rockledge, Florida, reports 55,446 members, $1.46B in total assets, and $1.10B in outstanding loans as of Q4 2025 under charter #60816 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
On loan book quality: 0.37% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 88.46% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.30% on net income of $4.4M 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 0.56%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.42% 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 10.42% 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.
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.