Federal credit union · Tampa, Florida · NCUA charter #378
Florida Customs
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $6.9M
- Total assets
- 1,044
- Members
- 26.3%
- Net-worth ratio
Florida Customs scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.9M; members 1,044; net-worth ratio 26.33%; health rank #1,743 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,743 of 4,374 health · 2025Q4Florida Customs · health 86/100 · $6.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Florida Customs vs every NCUA-scored credit union
Florida Customs sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Florida Customs: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 26.33% here, 19.06% peer average (+7.27 pp).
- Largest lag: Loan-to-Share Ratio at 51.12% vs peer 63.60% (-12.48 pp).
Florida standing for Florida Customs
- Florida health ordinal: #54 of 109.
- Florida assets place: #105 of 109.
- Member book place in Florida: #103 of 109.
- One place up in Florida, T M H (#53) scores 87/100, 1 point higher; one place down, Local 606 Electrical Workers (#55) ties at 86/100.
Florida Customs: 2025Q4 → 2026Q1
Florida Customs: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $6.9M (2025Q4) to $6.9M (2026Q1).
- Net-worth ratio shifted -0.08 pp (26.41% → 26.33%).
26.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Florida Customs gives up 14 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.7 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 10.6 pts
Florida Customs vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.33% | +7.27 pp |
| Delinquency Rate | 0.10% | -1.71 pp |
| Return on Assets | 0.28% | -0.17 pp |
| Member Growth | -0.19% | - |
| Loan-to-Share Ratio | 51.12% | -12.48 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Florida Customs filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.9M | - |
| 2025Q4 | $6.9M | 1,044 |
| 2024Q4 | $7.4M | 1,046 |
| 2023Q4 | $8.3M | 1,045 |
Credit Union Details
- Charter Number
- 378
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Florida
- City
- Tampa
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Florida Customs, spread across 3 cities in 3 states.
| Office | City |
|---|---|
| Tampa location (Main Office) | Tampa, FL |
| Vital Records-CUA | Kentwood, MI |
| Hot Site-CUA | Schaumburg, IL |
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.
Florida Customs nationwide neighbourhoods
Similar health score
Using this data
- Florida Customs ranks #1,743 of 4,374 nationally on financial health and #54 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Shaw-Ross Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Shaw-Ross Employees
Frequently Asked Questions
Is Florida Customs financially healthy?
On its 2025Q4 NCUA 5300 filing, Florida Customs scores 86/100 (Excellent), with a 26.33% net worth ratio and 0.10% of loans delinquent. It ranks #1,743 of 4,374 nationally on health and #54 of 109 in Florida.
How does Florida Customs compare to other credit unions?
Florida Customs scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (26.33% vs 19.06%). Its widest shortfall is loan-to-share ratio (51.12% vs 63.60%).
How can I join Florida Customs?
Florida Customs carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Florida Customs directly to confirm current membership steps.
Is my money safe at Florida Customs?
Florida Customs 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. Florida Customs's net worth ratio of 26.33% 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.