Federal credit union · Largo, Florida · NCUA charter #10880
PINELLAS
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $171.6M
- Total assets
- 11,003
- Members
- 12.8%
- Net-worth ratio
PINELLAS scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $171.6M; members 11,003; net-worth ratio 12.81%; health rank #1,252 of 4,374; healthier than 69th of scored peers.
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NCUA 5300 Call Report Masthead
#1,252 of 4,374 health · 2025Q4PINELLAS · health 89/100 · $171.6M · 2025Q4
Call Report peers
PINELLAS in the assets neighbourhood
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PINELLAS vs every NCUA-scored credit union
PINELLAS 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
PINELLAS: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +0.70 pp (12.81% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 68.55% vs peer 72.20% (-3.65 pp).
PINELLAS: in-state Call Report ranks
- Health composite ranks #45 of 109 among scored Florida credit unions.
- Assets rank #57 of 109 inside Florida ($171.6M reported).
- Membership ranks #59 of 109 among Florida CUs with a reported count (11,003 members).
- One place up in Florida, Launch Credit Union (#44) scores 90/100, 1 point higher; one place down, Suwannee River (#46) ties at 89/100.
PINELLAS Call Report trajectory
PINELLAS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $171.6M (2025Q4) to $172.5M (2026Q1).
- Net-worth ratio shifted +0.09 pp (12.72% → 12.81%).
12.81% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
PINELLAS gives up 11 points in total. Member Growth costs the most, 9.8 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.5 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 14.3 pts
Call Report ratios for PINELLAS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.81% | +0.70 pp |
| Delinquency Rate | 0.49% | -0.40 pp |
| Return on Assets | 0.47% | -0.16 pp |
| Member Growth | -2.13% | - |
| Loan-to-Share Ratio | 68.55% | -3.65 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
PINELLAS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $172.5M | - |
| 2025Q4 | $171.6M | 11,003 |
| 2024Q4 | $174.4M | 11,242 |
| 2023Q4 | $168.0M | 11,708 |
Credit Union Details
- Charter Number
- 10880
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Largo
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for PINELLAS, spread across 3 cities.
| Office | City |
|---|---|
| East Bay Main Office (Main Office) | Largo, FL |
| North County | Palm Harbor, FL |
| St. Petersburg | St Petersburg, 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.
Cross-state Call Report peers for PINELLAS
Using this data
- PINELLAS ranks #1,252 of 4,374 nationally on financial health and #45 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Calhoun Liberty is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Calhoun Liberty
Frequently Asked Questions
Is PINELLAS financially healthy?
On its 2025Q4 NCUA 5300 filing, PINELLAS scores 89/100 (Excellent), with a 12.81% net worth ratio and 0.49% of loans delinquent. It ranks #1,252 of 4,374 nationally on health and #45 of 109 in Florida.
How does PINELLAS compare to other credit unions?
PINELLAS 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 net worth ratio (12.81% vs 12.11%). Its widest shortfall is loan-to-share ratio (68.55% vs 72.20%).
How can I join PINELLAS?
PINELLAS serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact PINELLAS directly for the current list of qualifying groups.
Is my money safe at PINELLAS?
PINELLAS 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. PINELLAS's net worth ratio of 12.81% 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.