State credit union · Orlando, Florida · NCUA charter #68706
ORLANDO
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $343.5M
- Total assets
- 27,482
- Members
- 9.2%
- Net-worth ratio
ORLANDO scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $343.5M; members 27,482; net-worth ratio 9.22%; health rank #1,339 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,339 of 4,374 health · 2025Q4ORLANDO · health 89/100 · $343.5M · 2025Q4
- CAMELS 89/100
- HEALTH 9.2%
- NW 0.88%
- DELQ 0.56%
- ROA $343.5M
- ASSETS 27,482
- MEM #1,339/4,374
- RANK SAG-AFTRA
- PHOTO 68706
Call Report peers
ORLANDO in the assets neighbourhood
ORLANDO's $343.5M assets sit next to SAG-AFTRA ($342.9M) 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.
ORLANDO 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
89 Top 31% higher than 69% 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
ORLANDO - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68706 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where ORLANDO diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 87.79% here, 72.20% peer average (+15.59 pp).
- Net Worth Ratio trails the peer set - 9.22% here, 12.11% peer average (-2.89 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ORLANDO: in-state Call Report ranks
- Health composite ranks #47 of 109 among scored Florida credit unions.
- By total assets, ORLANDO is #42 of 109 in Florida.
- Member book place in Florida: #40 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.
ORLANDO Call Report trajectory
ORLANDO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.0% from $343.5M (2025Q4) to $364.2M (2026Q1).
- Net-worth ratio shifted -0.34 pp (9.56% → 9.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.22% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 21.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.22% | -2.89 pp |
| Delinquency Rate | 0.88% | -0.01 pp |
| Return on Assets | 0.56% | -0.06 pp |
| Member Growth | 0.38% | - |
| Loan-to-Share Ratio | 87.79% | +15.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
ORLANDO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $364.2M | - |
| 2025Q4 | $343.5M | 27,482 |
| 2024Q4 | $385.7M | 27,379 |
| 2023Q4 | $332.7M | 25,866 |
Credit Union Details
- Charter Number
- 68706
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Orlando
- Data Quarter
- 2025Q4
Branch Locations (7)
ORLANDO operates 7 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SODO (Main Office) | Orlando, FL |
| Apopka Office | Apopka, FL |
| Clermont | Clermont, FL |
| City Hall Office | Orlando, FL |
| Millenia Office | Orlando, FL |
| Semoran Office | Orlando, FL |
| Sheriff's Office | Orlando, 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.
Nationwide credit unions with similar profiles
ORLANDO's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($343.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- ORLANDO ranks #1,339 of 4,374 nationally on financial health and #47 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PANHANDLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PANHANDLE
- 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 ORLANDO financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - ORLANDO's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,339 of 4,374; by total assets it ranks #952 of 4,374 nationally (same basis as /rankings/largest); and #42 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.22% net worth ratio and 0.88% delinquency rate are the key drivers.
How does ORLANDO compare to other credit unions?
89/100 is ORLANDO's score on PlainCU's health composite, compared to a peer group average for $100M–$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 ORLANDO?
Membership eligibility for ORLANDO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ORLANDO directly for current membership requirements and application steps.
Is my money safe at ORLANDO?
Federal credit unions like ORLANDO 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. ORLANDO's net worth ratio of 9.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ORLANDO offer compared to banks?
Credit unions like ORLANDO 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 ORLANDO 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.