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
Call Report peers
ORLANDO in the assets neighbourhood
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
ORLANDO sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Florida, Suwannee River (#46) ties at 89/100; one place down, 1st Street (#48) scores 88/100, 1 point lower.
ORLANDO Call Report trajectory
ORLANDO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.0% from $343.5M (2025Q4) to $364.2M (2026Q1).
- Net-worth ratio shifted -0.34 pp (9.56% → 9.22%).
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
ORLANDO gives up 11 points in total. Member Growth costs the most, 5.5 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ORLANDO financially healthy?
On its 2025Q4 NCUA 5300 filing, ORLANDO scores 89/100 (Excellent), with a 9.22% net worth ratio and 0.88% of loans delinquent. It ranks #1,339 of 4,374 nationally on health and #47 of 109 in Florida.
How does ORLANDO compare to other credit unions?
ORLANDO scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.79% vs 72.20%). Its widest shortfall is net worth ratio (9.22% vs 12.11%).
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?
ORLANDO is a state-chartered 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. ORLANDO's net worth ratio of 9.22% 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.