Federal credit union · Tampa, Florida · NCUA charter #352
Tampa Bay
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $477.9M
- Total assets
- 36,533
- Members
- 10.5%
- Net-worth ratio
Tampa Bay scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $477.9M; members 36,533; net-worth ratio 10.49%; health rank #1,831 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,831 of 4,374 health · 2025Q4Tampa Bay · health 86/100 · $477.9M · 2025Q4
- DELQ 86/100
- ROA 10.5%
- ASSETS 2.13%
- MEM 0.53%
- RANK $477.9M
- PHOTO 36,533
- BOOK #1,831/4,374
- CHARTER EDUCATION
- NCUSIF 352
Call Report peers
Tampa Bay in the assets neighbourhood
Tampa Bay's $477.9M assets sit next to EDUCATION ($476.8M) 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.
Tampa Bay 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
86 Top 43% higher than 57% 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
Tampa Bay - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #352: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Tampa Bay vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +19.22 pp (91.42% vs 72.20%).
- Net Worth Ratio trails the peer set - 10.49% here, 12.11% peer average (-1.62 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tampa Bay in Florida
- Health composite ranks #56 of 109 among scored Florida credit unions.
- Florida assets place: #39 of 109.
- Member book place in Florida: #36 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.
How Tampa Bay's 5300 filing moved
Tampa Bay: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $477.9M (2025Q4) to $493.0M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.54% → 10.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.49% | -1.62 pp |
| Delinquency Rate | 2.13% | +1.24 pp |
| Return on Assets | 0.53% | -0.09 pp |
| Member Growth | 5.70% | - |
| Loan-to-Share Ratio | 91.42% | +19.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Tampa Bay
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $493.0M | - |
| 2025Q4 | $477.9M | 36,533 |
| 2024Q4 | $442.1M | 34,562 |
| 2023Q4 | $434.3M | 35,154 |
Credit Union Details
- Charter Number
- 352
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Tampa
- Data Quarter
- 2025Q4
Branch Locations (5)
Tampa Bay operates 5 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Ybor Heights Service Center (Main Office) | Tampa, FL |
| Seffner Service Center | Seffner, FL |
| North Tampa Service Center | Tampa, FL |
| Town & Country Service Center | Tampa, FL |
| Citrus Park Service Center | Tampa, 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.
Tampa Bay nationwide neighbourhoods
Cross-state asset and health neighbours for Tampa Bay - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($477.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Tampa Bay ranks #1,831 of 4,374 nationally on financial health and #56 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Velocity Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Velocity Community
- 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 Tampa Bay financially healthy?
A 10.49% net worth ratio and a 2.13% delinquency rate feed into Tampa Bay's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,831 of 4,374; by total assets it ranks #773 of 4,374 nationally (same basis as /rankings/largest); and #39 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Tampa Bay compare to other credit unions?
86/100 is Tampa Bay's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Tampa Bay?
Tampa Bay serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Tampa Bay directly for the current list of qualifying groups.
Is my money safe at Tampa Bay?
Federal credit unions like Tampa Bay 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. Tampa Bay's net worth ratio of 10.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tampa Bay offer compared to banks?
Credit unions like Tampa Bay 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 Tampa Bay 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.