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.
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#2,610 of 4,374 health · 2025Q4GTE · health 81/100 · $2.99B · 2025Q4
Call Report peers
GTE in the assets neighbourhood
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GTE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GTE sits in 80-84 with 767 others.
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 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%).
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.
- One place up in Florida, POWERNET (#77) scores 82/100, 1 point higher; one place down, Compass Financial (#79) ties at 81/100.
GTE: 2025Q4 → 2026Q1
GTE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.8% from $2.99B (2025Q4) to $3.13B (2026Q1).
- Net-worth ratio shifted -0.13 pp (11.38% → 11.25%).
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
GTE gives up 19 points in total. Member Growth costs the most, 8.5 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is GTE financially healthy?
GTE has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,610 of 4,374 nationally on health and #78 of 109 in Florida. Its net worth ratio is 11.25% and its delinquency rate 1.08%.
How does GTE compare to other credit unions?
GTE scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.44% vs 83.90%). Its widest shortfall is delinquency rate (1.08% vs 0.87%).
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?
GTE 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. GTE's net worth ratio of 11.25% 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.