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
- ROA 98/100
- ASSETS 11.2%
- MEM 0.43%
- RANK 0.44%
- PHOTO $1.68B
- BOOK 123,371
- CHARTER #110/4,374
- NCUSIF KEYPOINT
- CAMELS 23020
Call Report peers
Publix Employees in the assets neighbourhood
Publix Employees's $1.68B assets sit next to KEYPOINT ($1.68B) 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.
Publix Employees 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
98 Top 3% higher than 97% 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
Publix Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #23020. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Publix Employees Call Report trajectory
Publix Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.0% from $1.68B (2025Q4) to $1.78B (2026Q1).
- Net-worth ratio shifted -0.44 pp (11.62% → 11.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for Publix Employees, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.68B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
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
- 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 Publix Employees financially healthy?
Publix Employees has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #110 of 4,374; by total assets it ranks #293 of 4,374 nationally (same basis as /rankings/largest); and #18 of 109 within Florida. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.18% and delinquency rate of 0.43%.
How does Publix Employees compare to other credit unions?
Publix Employees scores 98/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Publix Employees 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. Publix Employees's net worth ratio of 11.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Publix Employees offer compared to banks?
Credit unions like Publix Employees 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 Publix Employees 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.