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
Call Report peers
Tampa Bay in the assets neighbourhood
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
Tampa Bay sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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).
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.
- One place up in Florida, Local 606 Electrical Workers (#55) ties at 86/100; one place down, Jackson County 1st (#57) scores 85/100, 1 point lower.
How Tampa Bay's 5300 filing moved
Tampa Bay: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $477.9M (2025Q4) to $493.0M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.54% → 10.49%).
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
Tampa Bay gives up 14 points in total. Delinquency Rate costs the most, 13.3 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Tampa Bay financially healthy?
On its 2025Q4 NCUA 5300 filing, Tampa Bay scores 86/100 (Excellent), with a 10.49% net worth ratio and 2.13% of loans delinquent. It ranks #1,831 of 4,374 nationally on health and #56 of 109 in Florida.
How does Tampa Bay compare to other credit unions?
Tampa Bay scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (91.42% vs 72.20%). Its widest shortfall is net worth ratio (10.49% vs 12.11%).
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?
Tampa Bay 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. Tampa Bay's net worth ratio of 10.49% 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.