State credit union · Tampa, Florida · NCUA charter #67668
FLORIDACENTRAL
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $614.7M
- Total assets
- 43,564
- Members
- 7.8%
- Net-worth ratio
FLORIDACENTRAL scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $614.7M; members 43,564; net-worth ratio 7.84%; health rank #2,193 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,193 of 4,374 health · 2025Q4FLORIDACENTRAL · health 84/100 · $614.7M · 2025Q4
Call Report peers
FLORIDACENTRAL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FLORIDACENTRAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FLORIDACENTRAL sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
FLORIDACENTRAL: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.21 pp (0.66% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 69.41% vs peer 83.90% (-14.49 pp).
FLORIDACENTRAL in Florida
- Health composite ranks #67 of 109 among scored Florida credit unions.
- Assets rank #35 of 109 inside Florida ($614.7M reported).
- Member book place in Florida: #31 of 109.
- One place up in Florida, BRIGHTSTAR (#66) ties at 84/100; one place down, Container Mutual (#68) scores 83/100, 1 point lower.
How FLORIDACENTRAL's 5300 filing moved
FLORIDACENTRAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $614.7M (2025Q4) to $622.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (7.83% → 7.84%).
7.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
FLORIDACENTRAL gives up 16 points in total. Net Worth Ratio costs the most, 5.4 of its 30; Loan-to-Share Ratio loses the least, 0.1.
- Net Worth Ratio 24.6 pts
- Delinquency Rate 23.4 pts
- Return on Assets 10.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.84% | -3.34 pp |
| Delinquency Rate | 0.66% | -0.21 pp |
| Return on Assets | 0.16% | -0.34 pp |
| Member Growth | 2.01% | - |
| Loan-to-Share Ratio | 69.41% | -14.49 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
FLORIDACENTRAL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $622.0M | - |
| 2025Q4 | $614.7M | 43,564 |
| 2024Q4 | $600.5M | 42,704 |
| 2023Q4 | $595.0M | 48,404 |
Credit Union Details
- Charter Number
- 67668
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Tampa
- Data Quarter
- 2025Q4
Branch Locations (13)
FLORIDACENTRAL operates 13 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Tampa, FL |
| 30- Bradenton Branch | Bradenton, FL |
| 60- Brandon Branch | Brandon, FL |
| 43- Clearwater Branch | Clearwater, FL |
| 50- Lakeland Branch | Lakeland, FL |
| 21- Trinity Branch | New Port Richey, FL |
| 80- Port Charlotte Branch | Port Charlotte, FL |
| 45- St. Petersburg Branch | Saint Petersburg, FL |
| 35 - Sarasota Branch | Sarasota, FL |
| 40- Seminole Branch | Seminole, FL |
| 15- Citrus Park Branch | Tampa, FL |
| 10 - South Tampa | Tampa, FL |
| 70 - New Tampa Branch | 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.
FLORIDACENTRAL nationwide neighbourhoods
Similar total assets
Using this data
- FLORIDACENTRAL ranks #2,193 of 4,374 nationally on financial health and #67 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Innovations Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Innovations Financial
Frequently Asked Questions
Is FLORIDACENTRAL financially healthy?
FLORIDACENTRAL has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,193 of 4,374 nationally on health and #67 of 109 in Florida. Its net worth ratio is 7.84% and its delinquency rate 0.66%.
How does FLORIDACENTRAL compare to other credit unions?
FLORIDACENTRAL scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.66% vs 0.87%). Its widest shortfall is loan-to-share ratio (69.41% vs 83.90%).
How can I join FLORIDACENTRAL?
Membership eligibility for FLORIDACENTRAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FLORIDACENTRAL directly for current membership requirements and application steps.
Is my money safe at FLORIDACENTRAL?
FLORIDACENTRAL 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. FLORIDACENTRAL's net worth ratio of 7.84% 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.