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
Call Report peers
Florida West Coast in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Florida West Coast sits in 95-99 with 391 others.
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 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%).
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.
- One place up in Florida, PANHANDLE (#14) ties at 96/100; one place down, COASTLINE (#16) ties at 96/100.
Florida West Coast Call Report trajectory
Florida West Coast: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $138.2M (2025Q4) to $141.4M (2026Q1).
- Net-worth ratio shifted -0.09 pp (12.15% → 12.06%).
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
Florida West Coast gives up 4 points in total. Loan-to-Share Ratio costs the most, 2.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Florida West Coast financially healthy?
Florida West Coast has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #256 of 4,374 nationally on health and #15 of 109 in Florida. Its net worth ratio is 12.06% and its delinquency rate 0.32%.
How does Florida West Coast compare to other credit unions?
Florida West Coast scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.32% vs 0.89%). Its widest shortfall is loan-to-share ratio (60.36% vs 72.20%).
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?
Florida West Coast is a state-chartered 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 West Coast's net worth ratio of 12.06% 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.