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
Call Report peers
Grow Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Grow Financial sits in 95-99 with 391 others.
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: 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).
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.
- One place up in Florida, Publix Employees (#5) ties at 98/100; one place down, RADIANT (#7) ties at 98/100.
Grow Financial Call Report trajectory
Grow Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $3.79B (2025Q4) to $3.94B (2026Q1).
- Net-worth ratio shifted -0.34 pp (11.22% → 10.88%).
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
Grow Financial gives up 2 points in total. Loan-to-Share Ratio costs the most, 1.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Grow Financial financially healthy?
Grow Financial has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #118 of 4,374 nationally on health and #6 of 109 in Florida. Its net worth ratio is 10.88% and its delinquency rate 0.48%.
How does Grow Financial compare to other credit unions?
Grow Financial scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.61% vs 83.90%). Its widest shortfall is net worth ratio (10.88% vs 11.18%).
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?
Grow Financial is a federal 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. Grow Financial's net worth ratio of 10.88% 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.