Federal credit union · Tampa, Florida · NCUA charter #9976
Grow Financial
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $3.79B
- Total assets
- 295,094
- Members
- 10.9%
- Net-worth ratio
Grow Financial scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.79B; members 295,094; net-worth ratio 10.88%; health rank #118 of 4,374; healthier than 97th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#118 of 4,374 health · 2025Q4Grow Financial · health 98/100 · $3.79B · 2025Q4
- ROA 98/100
- ASSETS 10.9%
- MEM 0.48%
- RANK 0.64%
- PHOTO $3.79B
- BOOK 295,094
- CHARTER #118/4,374
- NCUSIF Arizona Financial
- CAMELS 9976
Call Report peers
Grow Financial in the assets neighbourhood
Grow Financial's $3.79B assets sit next to Arizona Financial ($3.79B) 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.
Grow Financial 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
98 Top 3% higher than 97% 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
Grow Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9976, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Grow Financial: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +9.71 pp (93.61% vs 83.90%).
- Net Worth Ratio trails the peer set - 10.88% here, 11.18% peer average (-0.30 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Grow Financial in Florida
- In Florida, health place is #6 of 109 on the same NCUA-ratio sort used nationally.
- By total assets, Grow Financial is #8 of 109 in Florida.
- Florida membership ordinal: #5 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.
Grow Financial Call Report trajectory
Grow Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $3.79B (2025Q4) to $3.94B (2026Q1).
- Net-worth ratio shifted -0.34 pp (11.22% → 10.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.88% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for Grow Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.88% | -0.30 pp |
| Delinquency Rate | 0.48% | -0.39 pp |
| Return on Assets | 0.64% | +0.13 pp |
| Member Growth | 5.05% | - |
| Loan-to-Share Ratio | 93.61% | +9.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Grow Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.94B | - |
| 2025Q4 | $3.79B | 295,094 |
| 2024Q4 | $3.72B | 280,898 |
| 2023Q4 | $3.52B | 266,360 |
Credit Union Details
- Charter Number
- 9976
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Florida
- City
- Tampa
- Data Quarter
- 2025Q4
Branch Locations (28)
The NCUA branch filing lists 28 physical offices for Grow Financial, spread across 15 cities in 2 states.
| Office | City |
|---|---|
| Headquarters (Main Office) | Tampa, FL |
| Lakewood Ranch Branch | Bradenton, FL |
| Centre Point Branch | Bradenton, FL |
| Brandon Branch | Brandon, FL |
| Bloomingdale Branch | Brandon, FL |
| Clearwater Branch | Clearwater, FL |
| Gulf to Bay Branch | Clearwater, FL |
| Sandhill | Columbia, SC |
| SC Headquarters | Columbia, SC |
| Largo Branch | Largo, FL |
| Lexington Branch | Lexington, SC |
| Lutz Branch | Lutz, FL |
| Pasco Branch | New Port Richey, FL |
| Pinellas Park Branch | Pinellas Park, FL |
| St. Petersburg Branch | Saint Petersburg, FL |
| Mariner Commons Branch | Spring Hill, FL |
| Wescott Branch | Summerville, SC |
| Summerville Branch | Summerville, SC |
| Carrollwood Branch | Tampa, FL |
| New Tampa Branch | Tampa, FL |
| Gandy Branch | Tampa, FL |
| Sheldon Road Branch | Tampa, FL |
| Main Base Branch | Tampa, FL |
| Hyde Park | Tampa, FL |
| Downtown Park Towers Branch | Tampa, FL |
| West River Office | Tampa, FL |
| Busch Boulevard Branch | Temple Terrace, FL |
| Wesley Chapel | Wesley Chapel, 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.
Grow Financial nationwide neighbourhoods
Two NCUA Call Report peer sets for Grow Financial, 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 ($3.79B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- Grow Financial ranks #118 of 4,374 nationally on financial health and #6 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Addition Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Addition Financial
- 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 Grow Financial financially healthy?
A 10.88% net worth ratio and a 0.48% delinquency rate feed into Grow Financial's financial health score of 98/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #118 of 4,374; by total assets it ranks #134 of 4,374 nationally (same basis as /rankings/largest); and #8 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Grow Financial compare to other credit unions?
PlainCU's health composite puts Grow Financial at 98/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Grow Financial?
Grow Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Grow Financial directly for the exact boundaries and application steps.
Is my money safe at Grow Financial?
Federal credit unions like Grow Financial 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. Grow Financial's net worth ratio of 10.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Grow Financial offer compared to banks?
Credit unions like Grow Financial 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 Grow Financial 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.