Federal credit union · LAKELAND, Florida · NCUA charter #23020
Publix Employees
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $1.68B
- Total assets
- 123,371
- Members
- 11.2%
- Net-worth ratio
Publix Employees scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.68B; members 123,371; net-worth ratio 11.18%; health rank #110 of 4,374; healthier than 97th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#110 of 4,374 health · 2025Q4Publix Employees · health 98/100 · $1.68B · 2025Q4
Call Report peers
Publix Employees in the assets neighbourhood
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Publix Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Publix Employees sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Publix Employees: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.44 pp (0.43% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 67.39% vs peer 83.90% (-16.51 pp).
Publix Employees: in-state Call Report ranks
- In Florida, health place is #5 of 109 on the same NCUA-ratio sort used nationally.
- By total assets, Publix Employees is #18 of 109 in Florida.
- Membership ranks #14 of 109 among Florida CUs with a reported count (123,371 members).
- One place up in Florida, Miami Firefighters (#4) ties at 98/100; one place down, Grow Financial (#6) ties at 98/100.
Publix Employees Call Report trajectory
Publix Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.0% from $1.68B (2025Q4) to $1.78B (2026Q1).
- Net-worth ratio shifted -0.44 pp (11.62% → 11.18%).
11.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
Publix Employees gives up 2 points in total. Return on Assets costs the most, 0.9 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.1 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.9 pts
Call Report ratios for Publix Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.18% | +0.00 pp |
| Delinquency Rate | 0.43% | -0.44 pp |
| Return on Assets | 0.44% | -0.07 pp |
| Member Growth | 5.34% | - |
| Loan-to-Share Ratio | 67.39% | -16.51 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Publix Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.78B | - |
| 2025Q4 | $1.68B | 123,371 |
| 2024Q4 | $1.54B | 117,114 |
| 2023Q4 | $1.44B | 112,718 |
Credit Union Details
- Charter Number
- 23020
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Florida
- City
- LAKELAND
- Data Quarter
- 2025Q4
Branch Locations (11)
Publix Employees operates 11 offices across 7 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Publix Employees Federal Credit Union (Main Office) | Lakeland, FL |
| PEFCU/Altamonte Springs Branch | Altamonte Springs, FL |
| PEFCU/Kendall Town Branch | Jacksonville, FL |
| PEFCU/Mandarin Branch | Jacksonville, FL |
| PEFCU/Normandy Branch | Jacksonville, FL |
| PEFCU/Lakeland Branch | Lakeland, FL |
| PEFCU/Oakbridge Branch | Lakeland, FL |
| PEFCU/Lawrenceville Branch | Lawrenceville, GA |
| PEFCU/Pembroke Pines Branch | Pembroke Pines, FL |
| PEFCU/Royal Palm Beach Branch | Royal Palm Beach, FL |
| PEFCU/Sarasota Branch | Sarasota, 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
- Publix Employees ranks #110 of 4,374 nationally on financial health and #5 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EDUCATIONAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EDUCATIONAL
Frequently Asked Questions
Is Publix Employees financially healthy?
Publix Employees has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #110 of 4,374 nationally on health and #5 of 109 in Florida. Its net worth ratio is 11.18% and its delinquency rate 0.43%.
How does Publix Employees compare to other credit unions?
Publix Employees scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.43% vs 0.87%). Its widest shortfall is loan-to-share ratio (67.39% vs 83.90%).
How can I join Publix Employees?
Publix Employees 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 Publix Employees directly for the exact boundaries and application steps.
Is my money safe at Publix Employees?
Publix Employees 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. Publix Employees's net worth ratio of 11.18% 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.