Federal credit union · Tampa, Florida · NCUA charter #352
Tampa Bay
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $477.9M
- Total assets
- 36,533
- Members
- 9.0%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)91
- Asset quality (delinquency)47
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)96
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.96% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.96% | 30% |
| Delinquency Rate | 2.13% | 25% |
| Return on Assets | 0.53% | 15% |
| Member Growth | 5.70% | 15% |
| Loan-to-Share Ratio | 91.42% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Tampa Bay
36,533 members and $477.9M in total assets sit behind Tampa Bay, a federal credit union in Tampa, Florida, which posts a health score of 83/100 (Excellent) on the five-factor composite, with $371.6M in outstanding loans as of Q4 2025 and a net worth ratio of 8.96% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #352 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
2.13% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 91.42% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.53% on net income of $2.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.70%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Tampa Bay financially healthy?
A 8.96% net worth ratio and a 2.13% delinquency rate feed into Tampa Bay's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Tampa Bay compare to other credit unions?
83/100 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 8.96% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.