Federal credit union · Wesley Chapel, Florida · NCUA charter #13902
FICARE
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $78.9M
- Total assets
- 8,017
- Members
- 12.6%
- Net-worth ratio
FICARE scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $78.9M; members 8,017; net-worth ratio 12.59%; health rank #3,467 of 4,374; healthier than 20th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,467 of 4,374 health · 2025Q4FICARE · health 72/100 · $78.9M · 2025Q4
Call Report peers
FICARE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FICARE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FICARE sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
FICARE: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 74.06% here, 62.60% peer average (+11.46 pp).
- Net Worth Ratio trails the peer set - 12.59% here, 13.62% peer average (-1.03 pp).
FICARE in Florida
- Health composite ranks #98 of 109 among scored Florida credit unions.
- Assets rank #77 of 109 inside Florida ($78.9M reported).
- Membership ranks #70 of 109 among Florida CUs with a reported count (8,017 members).
- One place up in Florida, Shaw-Ross Employees (#97) ties at 72/100; one place down, VYSTAR (#99) ties at 72/100.
How FICARE's 5300 filing moved
FICARE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $78.9M (2025Q4) to $81.1M (2026Q1).
- Net-worth ratio shifted -0.13 pp (12.72% → 12.59%).
At 12.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
FICARE gives up 28 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.4 pts
- Return on Assets 10.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
FICARE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.59% | -1.03 pp |
| Delinquency Rate | 1.48% | +0.52 pp |
| Return on Assets | 0.20% | -0.46 pp |
| Member Growth | -5.20% | - |
| Loan-to-Share Ratio | 74.06% | +11.46 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
FICARE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $81.1M | - |
| 2025Q4 | $78.9M | 8,017 |
| 2024Q4 | $80.0M | 8,457 |
| 2023Q4 | $83.5M | 10,977 |
Credit Union Details
- Charter Number
- 13902
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Florida
- City
- Wesley Chapel
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for FICARE, spread across 5 cities.
| Office | City |
|---|---|
| Wesley Chapel Branch (Main Office) | Wesley Chapel, FL |
| Morton Plant | Clearwater, FL |
| Gainesville | Gainesville, FL |
| North | Lutz, FL |
| Main | Tampa, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- FICARE ranks #3,467 of 4,374 nationally on financial health and #98 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- T M H is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with T M H
Frequently Asked Questions
Is FICARE financially healthy?
FICARE has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,467 of 4,374 nationally on health and #98 of 109 in Florida. Its net worth ratio is 12.59% and its delinquency rate 1.48%.
How does FICARE compare to other credit unions?
FICARE scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (74.06% vs 62.60%). Its widest shortfall is net worth ratio (12.59% vs 13.62%).
How can I join FICARE?
FICARE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact FICARE directly for the exact boundaries and application steps.
Is my money safe at FICARE?
FICARE is a federal 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. FICARE's net worth ratio of 12.59% 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.