Federal credit union · ORLANDO, Florida · NCUA charter #9915
MCCOY
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.03B
- Total assets
- 80,893
- Members
- 10.3%
- Net-worth ratio
MCCOY scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.03B; members 80,893; net-worth ratio 10.27%; health rank #675 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#675 of 4,374 health · 2025Q4MCCOY · health 93/100 · $1.03B · 2025Q4
Call Report peers
MCCOY in the assets neighbourhood
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MCCOY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MCCOY sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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
MCCOY vs Over $500M peers
- Largest favorable gap: Delinquency Rate at 0.46% vs peer 0.87% (-0.41 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.03 pp (75.87% vs 83.90%).
Where MCCOY sits in Florida
- Florida health ordinal: #31 of 109.
- Florida assets place: #27 of 109.
- Membership ranks #21 of 109 among Florida CUs with a reported count (80,893 members).
- One place up in Florida, UNIVERSITY (#30) ties at 93/100; one place down, HARVESTERS (#32) ties at 93/100.
MCCOY: 2025Q4 → 2026Q1
MCCOY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $1.03B (2025Q4) to $1.03B (2026Q1).
- Net-worth ratio shifted +0.09 pp (10.18% → 10.27%).
10.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
MCCOY gives up 7 points in total. Member Growth costs the most, 5 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.9 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.27% | -0.91 pp |
| Delinquency Rate | 0.46% | -0.41 pp |
| Return on Assets | 0.36% | -0.15 pp |
| Member Growth | 0.79% | - |
| Loan-to-Share Ratio | 75.87% | -8.03 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.03B | - |
| 2025Q4 | $1.03B | 80,893 |
| 2024Q4 | $967.6M | 80,255 |
| 2023Q4 | $963.6M | 79,436 |
Credit Union Details
- Charter Number
- 9915
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Florida
- City
- ORLANDO
- Data Quarter
- 2025Q4
Branch Locations (16)
Per its most recent NCUA branch filing, MCCOY runs 16 offices in 8 different cities.
| Office | City |
|---|---|
| McCoy Federal Credit Union (Main Office) | Orlando, FL |
| McCoy Federal Credit Union | Apopka, FL |
| McCoy Federal Credit Union | Clermont, FL |
| McCoy Federal Credit Union | Kissimmee, FL |
| Longwood/Lake Mary | Lake Mary, FL |
| McCoy Federal Credit Union | Maitland, FL |
| McCoy Federal Credit Union | Ocoee, FL |
| McCoy Federal Credit Union | Orlando, FL |
| McCoy Federal Credit Union | Orlando, FL |
| McCoy Federal Credit Union | Orlando, FL |
| McCoy Federal Credit Union | Orlando, FL |
| McCoy Federal Credit Union | Orlando, FL |
| McCoy Federal Credit Union | Orlando, FL |
| McCoy Federal Credit Union | Orlando, FL |
| McCoy Federal Credit Union | Orlando, FL |
| McCoy Federal Credit Union | Winter Garden, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for MCCOY
Similar total assets
Similar health score
Using this data
- MCCOY ranks #675 of 4,374 nationally on financial health and #31 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RADIANT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RADIANT
Frequently Asked Questions
Is MCCOY financially healthy?
MCCOY has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #675 of 4,374 nationally on health and #31 of 109 in Florida. Its net worth ratio is 10.27% and its delinquency rate 0.46%.
How does MCCOY compare to other credit unions?
MCCOY scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.46% vs 0.87%). Its widest shortfall is loan-to-share ratio (75.87% vs 83.90%).
How can I join MCCOY?
MCCOY 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 MCCOY directly for the exact boundaries and application steps.
Is my money safe at MCCOY?
MCCOY 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. MCCOY's net worth ratio of 10.27% 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.