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
Call Report peers
TRAX in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); TRAX sits in 75-79 with 502 others.
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
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).
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.
- One place up in Florida, South Atlantic (#90) scores 78/100, 1 point higher; one place down, LOYALTY (#92) ties at 77/100.
TRAX: 2025Q4 → 2026Q1
TRAX: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $487.7M (2025Q4) to $490.1M (2026Q1).
- Net-worth ratio shifted +0.01 pp (12.77% → 12.78%).
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
TRAX gives up 23 points in total. Delinquency Rate costs the most, 11.4 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is TRAX financially healthy?
TRAX has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,092 of 4,374 nationally on health and #91 of 109 in Florida. Its net worth ratio is 12.78% and its delinquency rate 1.85%.
How does TRAX compare to other credit unions?
TRAX scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.78% vs 12.11%). Its widest shortfall is loan-to-share ratio (47.02% vs 72.20%).
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?
TRAX 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. TRAX's net worth ratio of 12.78% 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.