Federal credit union · ROSWELL, New Mexico · NCUA charter #19567
The Florist
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $7.3M
- Total assets
- 676
- Members
- 14.7%
- Net-worth ratio
The Florist scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.3M; members 676; net-worth ratio 14.67%; health rank #3,815 of 4,374; healthier than 12th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,815 of 4,374 health · 2025Q4The Florist · health 66/100 · $7.3M · 2025Q4
Call Report peers
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The Florist vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Florist sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
The Florist vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +0.55 pp (64.15% vs 63.60%).
- Largest lag: Net Worth Ratio at 14.67% vs peer 19.06% (-4.39 pp).
The Florist: in-state Call Report ranks
- Health composite ranks #33 of 37 among scored New Mexico credit unions.
- New Mexico assets place: #34 of 37.
- Member book place in New Mexico: #36 of 37.
- One place up in New Mexico, KIRTLAND (#32) scores 68/100, 2 points higher; one place down, High Desert Community (#34) scores 63/100, 3 points lower.
The Florist: 2025Q4 → 2026Q1
The Florist: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $7.3M (2025Q4) to $7.4M (2026Q1).
- Net-worth ratio shifted -0.14 pp (14.81% → 14.67%).
This credit union's 14.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
The Florist gives up 34 points in total. Member Growth costs the most, 12.4 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.1 pts
- Return on Assets 2.6 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 13.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.67% | -4.39 pp |
| Delinquency Rate | 1.39% | -0.42 pp |
| Return on Assets | -0.21% | -0.66 pp |
| Member Growth | -3.57% | - |
| Loan-to-Share Ratio | 64.15% | +0.55 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - The Florist
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.4M | - |
| 2025Q4 | $7.3M | 676 |
| 2024Q4 | $7.2M | 701 |
| 2023Q4 | $7.2M | 733 |
Credit Union Details
- Charter Number
- 19567
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- New Mexico
- City
- ROSWELL
- Data Quarter
- 2025Q4
Branch Location
The Florist operates a single office in ROSWELL, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CORPORATE OFFICE (Main Office) | ROSWELL, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
More federally-insured credit unions based in New Mexico, ordered by peer group match and asset size.
Cross-state Call Report peers for The Florist
Similar health score
Using this data
- The Florist ranks #3,815 of 4,374 nationally on financial health and #33 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Quay Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Quay Schools
Frequently Asked Questions
Is The Florist financially healthy?
On its 2025Q4 NCUA 5300 filing, The Florist scores 66/100 (Good), with a 14.67% net worth ratio and 1.39% of loans delinquent. It ranks #3,815 of 4,374 nationally on health and #33 of 37 in New Mexico.
How does The Florist compare to other credit unions?
The Florist scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (64.15% vs 63.60%). Its widest shortfall is net worth ratio (14.67% vs 19.06%).
How can I join The Florist?
The Florist 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 The Florist directly for the current list of qualifying groups.
Is my money safe at The Florist?
The Florist 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. The Florist's net worth ratio of 14.67% 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.