Federal credit union · LIVE OAK, Florida · NCUA charter #1086
Suwannee River
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $25.6M
- Total assets
- 2,343
- Members
- 11.8%
- Net-worth ratio
Suwannee River scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.6M; members 2,343; net-worth ratio 11.76%; health rank #1,276 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,276 of 4,374 health · 2025Q4Suwannee River · health 89/100 · $25.6M · 2025Q4
- CAMELS 89/100
- HEALTH 11.8%
- NW 0.08%
- DELQ 0.53%
- ROA $25.6M
- ASSETS 2,343
- MEM #1,276/4,374
- RANK ELCA
- PHOTO 1086
Call Report peers
Suwannee River in the assets neighbourhood
Suwannee River's $25.6M assets sit next to ELCA ($25.6M) 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.
Suwannee River 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
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
Suwannee River - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1086. See our deposit-insurance coverage note.
Suwannee River vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 64.12% here, 59.80% peer average (+4.32 pp).
- Largest lag: Net Worth Ratio at 11.76% vs peer 14.86% (-3.10 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Florida standing for Suwannee River
- Health composite ranks #46 of 109 among scored Florida credit unions.
- By total assets, Suwannee River is #94 of 109 in Florida.
- Member book place in Florida: #91 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Suwannee River: 2025Q4 → 2026Q1
Suwannee River: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $25.6M (2025Q4) to $25.9M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.79% → 11.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.76% 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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 13.8 pts
Call Report ratios for Suwannee River
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.76% | -3.10 pp |
| Delinquency Rate | 0.08% | -1.06 pp |
| Return on Assets | 0.53% | -0.17 pp |
| Member Growth | -2.13% | - |
| Loan-to-Share Ratio | 64.12% | +4.32 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Suwannee River quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.9M | - |
| 2025Q4 | $25.6M | 2,343 |
| 2024Q4 | $26.9M | 2,394 |
| 2023Q4 | $27.5M | 2,450 |
Credit Union Details
- Charter Number
- 1086
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Florida
- City
- LIVE OAK
- Data Quarter
- 2025Q4
Branch Locations (2)
Suwannee River operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Live Oak, FL |
| Jasper Office | Jasper, 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.
Suwannee River nationwide neighbourhoods
Two NCUA Call Report peer sets for Suwannee River, 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 ($25.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Suwannee River ranks #1,276 of 4,374 nationally on financial health and #46 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Compass Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Compass Financial
- 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 Suwannee River financially healthy?
Suwannee River scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,276 of 4,374; by total assets it ranks #2,979 of 4,374 nationally (same basis as /rankings/largest); and #94 of 109 within Florida. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.76% net worth ratio and a 0.08% delinquency rate.
How does Suwannee River compare to other credit unions?
Suwannee River scores 89/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Suwannee River?
Suwannee River 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 Suwannee River directly for the exact boundaries and application steps.
Is my money safe at Suwannee River?
Federal credit unions like Suwannee River 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. Suwannee River's net worth ratio of 11.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Suwannee River offer compared to banks?
Credit unions like Suwannee River 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 Suwannee River 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.