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
Call Report peers
Suwannee River in the assets neighbourhood
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
Suwannee River 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
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 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).
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.
- One place up in Florida, PINELLAS (#45) ties at 89/100; one place down, ORLANDO (#47) ties at 89/100.
Suwannee River: 2025Q4 → 2026Q1
Suwannee River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $25.6M (2025Q4) to $25.9M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.79% → 11.76%).
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
Suwannee River gives up 11 points in total. Member Growth costs the most, 9.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Suwannee River financially healthy?
On its 2025Q4 NCUA 5300 filing, Suwannee River scores 89/100 (Excellent), with a 11.76% net worth ratio and 0.08% of loans delinquent. It ranks #1,276 of 4,374 nationally on health and #46 of 109 in Florida.
How does Suwannee River compare to other credit unions?
Suwannee River scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (64.12% vs 59.80%). Its widest shortfall is net worth ratio (11.76% vs 14.86%).
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?
Suwannee River 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. Suwannee River's net worth ratio of 11.76% 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.