Federal credit union · TAMPA, Florida · NCUA charter #196
GTE
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $2.99B
- Total assets
- 230,346
- Members
- 11.3%
- Net-worth ratio
GTE scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.99B; members 230,346; net-worth ratio 11.25%; health rank #2,610 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,610 of 4,374 health · 2025Q4GTE · health 81/100 · $2.99B · 2025Q4
- ASSETS 81/100
- MEM 11.3%
- RANK 1.08%
- PHOTO 0.31%
- BOOK $2.99B
- CHARTER 230,346
- NCUSIF #2,610/4,374
- CAMELS First Community
- HEALTH 196
Call Report peers
GTE in the assets neighbourhood
GTE's $2.99B assets sit next to First Community ($2.98B) 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.
GTE 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
81 39th percentile higher than 39% 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
GTE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #196: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
GTE vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +11.54 pp (95.44% vs 83.90%).
- Widest shortfall vs peers is Delinquency Rate: +0.20 pp (1.08% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
GTE: in-state Call Report ranks
- Health composite ranks #78 of 109 among scored Florida credit unions.
- Florida assets place: #12 of 109.
- Florida membership ordinal: #8 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.
GTE: 2025Q4 → 2026Q1
GTE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.8% from $2.99B (2025Q4) to $3.13B (2026Q1).
- Net-worth ratio shifted -0.13 pp (11.38% → 11.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 12.1 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for GTE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.25% | +0.07 pp |
| Delinquency Rate | 1.08% | +0.20 pp |
| Return on Assets | 0.31% | -0.20 pp |
| Member Growth | -1.40% | - |
| Loan-to-Share Ratio | 95.44% | +11.54 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.13B | - |
| 2025Q4 | $2.99B | 230,346 |
| 2024Q4 | $2.94B | 233,617 |
| 2023Q4 | $2.97B | 234,483 |
Credit Union Details
- Charter Number
- 196
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Florida
- City
- TAMPA
- Data Quarter
- 2025Q4
Branch Locations (25)
The NCUA branch filing lists 25 physical offices for GTE, spread across 17 cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Tampa, FL |
| Lakewood Ranch | Bradenton, FL |
| Brandon | Brandon, FL |
| Palm Harbor | Clearwater, FL |
| Clearwater | Clearwater, FL |
| Crystal River | Crystal River, FL |
| Hudson | Hudson, FL |
| Lakeland - South | Lakeland, FL |
| Lakeland - North | Lakeland, FL |
| Land O Lakes | Lutz, FL |
| Trinity | New Port Richey, FL |
| Ocala | Ocala, FL |
| Plant City | Plant City, FL |
| Riverview | Riverview, FL |
| Sarasota | Sarasota, FL |
| Seffner | Seffner, FL |
| Seminole | Seminole, FL |
| St Petersburg | St Petersburg, FL |
| Midtown St Petersburg | St Petersburg, FL |
| South Tampa | Tampa, FL |
| Channelside | Tampa, FL |
| Carrollwood | Tampa, FL |
| Town N Country | Tampa, FL |
| New Tampa | Tampa, FL |
| Temple Terrace | Temple Terrace, 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 GTE
Cross-state asset and health neighbours for GTE - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.99B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- GTE ranks #2,610 of 4,374 nationally on financial health and #78 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community First Credit Union of Flo is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community First Credit Union of Flo
- 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 GTE financially healthy?
GTE scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,610 of 4,374; by total assets it ranks #166 of 4,374 nationally (same basis as /rankings/largest); and #12 of 109 within Florida. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.25% net worth ratio and a 1.08% delinquency rate.
How does GTE compare to other credit unions?
81/100 is GTE's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 GTE?
GTE 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 GTE directly for the exact boundaries and application steps.
Is my money safe at GTE?
Federal credit unions like GTE 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. GTE's net worth ratio of 11.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GTE offer compared to banks?
Credit unions like GTE 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 GTE 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.