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
- RANK 86/100
- PHOTO 26.3%
- BOOK 0.10%
- CHARTER 0.28%
- NCUSIF $6.9M
- CAMELS 1,044
- HEALTH #1,743/4,374
- NW n/a
- DELQ 378
Call Report peers
Florida Customs carries $6.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #378. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Florida Customs: 2025Q4 → 2026Q1
Florida Customs: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $6.9M (2025Q4) to $6.9M (2026Q1).
- Net-worth ratio shifted -0.08 pp (26.41% → 26.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for Florida Customs - kept outside Florida; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- 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 Florida Customs financially healthy?
Florida Customs has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,743 of 4,374; by total assets it ranks #3,738 of 4,374 nationally (same basis as /rankings/largest); and #105 of 109 within Florida. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 26.33% and delinquency rate of 0.10%.
How does Florida Customs compare to other credit unions?
86/100 is Florida Customs's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Florida Customs 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. Florida Customs's net worth ratio of 26.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Florida Customs offer compared to banks?
Credit unions like Florida Customs 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 Florida Customs 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.