Federal credit union · Tampa, Florida · NCUA charter #24703
TRAX
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $487.7M
- Total assets
- 45,052
- Members
- 12.8%
- Net-worth ratio
TRAX scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $487.7M; members 45,052; net-worth ratio 12.78%; health rank #3,092 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,092 of 4,374 health · 2025Q4TRAX · health 77/100 · $487.7M · 2025Q4
- NW 77/100
- DELQ 12.8%
- ROA 1.85%
- ASSETS 0.43%
- MEM $487.7M
- RANK 45,052
- PHOTO #3,092/4,374
- BOOK Nizari Progressive
- CHARTER 24703
Call Report peers
TRAX in the assets neighbourhood
TRAX's $487.7M assets sit next to Nizari Progressive ($488.1M) 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.
TRAX 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
77 28th percentile higher than 28% 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
TRAX - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24703, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where TRAX diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +0.67 pp (12.78% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 47.02% vs peer 72.20% (-25.18 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TRAX in Florida
- In Florida, health place is #91 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #37 of 109 inside Florida ($487.7M reported).
- Member book place in Florida: #30 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.
TRAX: 2025Q4 → 2026Q1
TRAX: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $487.7M (2025Q4) to $490.1M (2026Q1).
- Net-worth ratio shifted +0.01 pp (12.77% → 12.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.6 pts
- Return on Assets 13.9 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 10.0 pts
Call Report ratios for TRAX
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.78% | +0.67 pp |
| Delinquency Rate | 1.85% | +0.96 pp |
| Return on Assets | 0.43% | -0.19 pp |
| Member Growth | 0.40% | - |
| Loan-to-Share Ratio | 47.02% | -25.18 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).
TRAX quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $490.1M | - |
| 2025Q4 | $487.7M | 45,052 |
| 2024Q4 | $504.5M | 44,873 |
| 2023Q4 | $474.2M | 44,985 |
Credit Union Details
- Charter Number
- 24703
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Tampa
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for TRAX, spread across 8 cities.
| Office | City |
|---|---|
| Main (Main Office) | Tampa, FL |
| Seffner | Brandon, FL |
| South Lakeland | Lakeland, FL |
| North Lakeland | Lakeland, FL |
| Plant City | Plant City, FL |
| Winthrop | Riverview, FL |
| SouthShore | Ruskin, FL |
| Temple Terrace | Temple Terrace, FL |
| Zephyrhills | Zephyrhills, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near TRAX
Cross-state asset and health neighbours for TRAX - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($487.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- TRAX ranks #3,092 of 4,374 nationally on financial health and #91 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 TRAX financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, TRAX carries a financial health score of 77/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,092 of 4,374; by total assets it ranks #765 of 4,374 nationally (same basis as /rankings/largest); and #37 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.78% net worth ratio and a 1.85% delinquency rate.
How does TRAX compare to other credit unions?
On PlainCU's health composite, TRAX lands at 77/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 TRAX?
TRAX 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 TRAX directly for the exact boundaries and application steps.
Is my money safe at TRAX?
Federal credit unions like TRAX 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. TRAX's net worth ratio of 12.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TRAX offer compared to banks?
Credit unions like TRAX 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 TRAX 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.