State credit union · BRANDON, Florida · NCUA charter #67337
Florida West Coast
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $138.2M
- Total assets
- 11,179
- Members
- 12.1%
- Net-worth ratio
Florida West Coast scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $138.2M; members 11,179; net-worth ratio 12.06%; health rank #256 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#256 of 4,374 health · 2025Q4Florida West Coast · health 96/100 · $138.2M · 2025Q4
- BOOK 96/100
- CHARTER 12.1%
- NCUSIF 0.32%
- CAMELS 0.61%
- HEALTH $138.2M
- NW 11,179
- DELQ #256/4,374
- ROA Pacific Horizon
- ASSETS 67337
Call Report peers
Florida West Coast in the assets neighbourhood
Florida West Coast's $138.2M assets sit next to Pacific Horizon ($138.2M) 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.
Florida West Coast 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
96 Top 7% higher than 93% 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 West Coast - Share Insurance Coverage
Charter #67337'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.
Florida West Coast vs $100M–$500M peers
- Largest favorable gap: Delinquency Rate at 0.32% vs peer 0.89% (-0.58 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.84 pp (60.36% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Florida West Coast: in-state Call Report ranks
- Health composite ranks #15 of 109 among scored Florida credit unions.
- Assets rank #63 of 109 inside Florida ($138.2M reported).
- Member book place in Florida: #58 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 West Coast Call Report trajectory
Florida West Coast: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $138.2M (2025Q4) to $141.4M (2026Q1).
- Net-worth ratio shifted -0.09 pp (12.15% → 12.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for Florida West Coast
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.06% | -0.05 pp |
| Delinquency Rate | 0.32% | -0.58 pp |
| Return on Assets | 0.61% | -0.01 pp |
| Member Growth | 3.42% | - |
| Loan-to-Share Ratio | 60.36% | -11.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Florida West Coast
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $141.4M | - |
| 2025Q4 | $138.2M | 11,179 |
| 2024Q4 | $132.2M | 10,809 |
| 2023Q4 | $127.7M | 10,519 |
Credit Union Details
- Charter Number
- 67337
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- BRANDON
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Florida West Coast, spread across 5 cities in 2 states.
| Office | City |
|---|---|
| BRANDON (Main Office) | Brandon, FL |
| FISERV SUMMIT | PHOENIX, AZ |
| PASCO | Port Richey, FL |
| MELBOURNE | Tampa, FL |
| KENNEDY | TAMPA, FL |
| CARROLLWOOD | Tampa, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Other-state peers near Florida West Coast
Two NCUA Call Report peer sets for Florida West Coast, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($138.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Florida West Coast ranks #256 of 4,374 nationally on financial health and #15 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tru Fi is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tru Fi
- 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 West Coast financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Florida West Coast carries a financial health score of 96/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #256 of 4,374; by total assets it ranks #1,556 of 4,374 nationally (same basis as /rankings/largest); and #63 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.06% net worth ratio and a 0.32% delinquency rate.
How does Florida West Coast compare to other credit unions?
Five weighted metrics from NCUA filings produce Florida West Coast's 96/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Florida West Coast?
Membership eligibility for Florida West Coast depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Florida West Coast directly for current membership requirements and application steps.
Is my money safe at Florida West Coast?
Federal credit unions like Florida West Coast 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 West Coast's net worth ratio of 12.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Florida West Coast offer compared to banks?
Credit unions like Florida West Coast 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 West Coast 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.