Federal credit union · Boca Raton, Florida · NCUA charter #21202
South Atlantic
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $17.5M
- Total assets
- 2,141
- Members
- 9.1%
- Net-worth ratio
South Atlantic scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.5M; members 2,141; net-worth ratio 9.06%; health rank #3,017 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,017 of 4,374 health · 2025Q4South Atlantic · health 78/100 · $17.5M · 2025Q4
Call Report peers
South Atlantic in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
South Atlantic vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); South Atlantic sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where South Atlantic diverges from peer averages
- Delinquency Rate leads the peer set - 1.13% here, 1.15% peer average (-0.01 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.80 pp (9.06% vs 14.86%).
Where South Atlantic sits in Florida
- In Florida, health place is #90 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #99 of 109 inside Florida ($17.5M reported).
- Florida membership ordinal: #93 of 109.
- One place up in Florida, Electricians' Local 349 (#89) ties at 78/100; one place down, TRAX (#91) scores 77/100, 1 point lower.
South Atlantic Call Report trajectory
South Atlantic: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $17.5M (2025Q4) to $17.7M (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.16% → 9.06%).
9.06% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
South Atlantic gives up 22 points in total. Member Growth costs the most, 7.6 of its 15; Net Worth Ratio loses the least, 2.4.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 19.0 pts
- Return on Assets 11.9 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 12.1 pts
South Atlantic health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.06% | -5.80 pp |
| Delinquency Rate | 1.13% | -0.01 pp |
| Return on Assets | 0.29% | -0.41 pp |
| Member Growth | -0.88% | - |
| Loan-to-Share Ratio | 56.18% | -3.62 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
South Atlantic filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.7M | - |
| 2025Q4 | $17.5M | 2,141 |
| 2024Q4 | $16.8M | 2,160 |
| 2023Q4 | $17.6M | 2,213 |
Credit Union Details
- Charter Number
- 21202
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Florida
- City
- Boca Raton
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for South Atlantic.
| Office | City |
|---|---|
| SOUTH ATLANTIC FCU (Main Office) | Boca Raton, 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 South Atlantic
Using this data
- South Atlantic ranks #3,017 of 4,374 nationally on financial health and #90 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUTHERNMOST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUTHERNMOST
Frequently Asked Questions
Is South Atlantic financially healthy?
On its 2025Q4 NCUA 5300 filing, South Atlantic scores 78/100 (Very Good), with a 9.06% net worth ratio and 1.13% of loans delinquent. It ranks #3,017 of 4,374 nationally on health and #90 of 109 in Florida.
How does South Atlantic compare to other credit unions?
South Atlantic scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (1.13% vs 1.15%). Its widest shortfall is net worth ratio (9.06% vs 14.86%).
How can I join South Atlantic?
South Atlantic 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 South Atlantic directly for the exact boundaries and application steps.
Is my money safe at South Atlantic?
South Atlantic 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. South Atlantic's net worth ratio of 9.06% 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.