Federal credit union · Tampa, Florida · NCUA charter #24223
Usf Federal Credit Union
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.38B
- Total assets
- 78,887
- Members
- 10.8%
- Net-worth ratio
Usf Federal Credit Union scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.38B; members 78,887; net-worth ratio 10.78%; health rank #1,680 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,680 of 4,374 health · 2025Q4Usf Federal Credit Union · health 87/100 · $1.38B · 2025Q4
Call Report peers
Usf Federal Credit Union in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Usf Federal Credit Union vs every NCUA-scored credit union
Usf Federal Credit Union sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Usf Federal Credit Union vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +12.19 pp (96.09% vs 83.90%).
- Largest lag: Net Worth Ratio at 10.78% vs peer 11.18% (-0.40 pp).
Usf Federal Credit Union in Florida
- In Florida, health place is #52 of 109 on the same NCUA-ratio sort used nationally.
- Florida assets place: #23 of 109.
- Membership ranks #22 of 109 among Florida CUs with a reported count (78,887 members).
- One place up in Florida, Members First Credit Union of Flori (#51) ties at 87/100; one place down, T M H (#53) ties at 87/100.
Usf Federal Credit Union: 2025Q4 → 2026Q1
Usf Federal Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $1.38B (2025Q4) to $1.37B (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.63% → 10.78%).
This credit union's 10.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Usf Federal Credit Union gives up 13 points in total. Delinquency Rate costs the most, 4.9 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 11.0 pts
- Member Growth 14.1 pts
- Loan-to-Share Ratio 11.8 pts
Usf Federal Credit Union vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.78% | -0.40 pp |
| Delinquency Rate | 0.99% | +0.11 pp |
| Return on Assets | 0.23% | -0.28 pp |
| Member Growth | 4.23% | - |
| Loan-to-Share Ratio | 96.09% | +12.19 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Usf Federal Credit Union filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.37B | - |
| 2025Q4 | $1.38B | 78,887 |
| 2024Q4 | $1.20B | 75,687 |
| 2023Q4 | $1.12B | 73,225 |
Credit Union Details
- Charter Number
- 24223
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Florida
- City
- Tampa
- Data Quarter
- 2025Q4
Branch Locations (11)
Usf Federal Credit Union operates 11 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Oakview (Main Office) | Temple Terrace, FL |
| Odessa Branch | Odessa, FL |
| Orlando | Orlando, FL |
| St. Pete | Saint Petersburg, FL |
| Sarasota-Clark | Sarasota, FL |
| MC Branch | Tampa, FL |
| New Tampa | Tampa, FL |
| Fletcher Branch | Tampa, FL |
| TGH - Tampa General Hospital | Tampa, FL |
| Citrus Park Branch | Tampa, FL |
| Winter Park Branch | Winter Park, 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.
Nationwide credit unions with similar profiles
Using this data
- Usf Federal Credit Union ranks #1,680 of 4,374 nationally on financial health and #52 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Launch Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Launch Credit Union
Frequently Asked Questions
Is Usf Federal Credit Union financially healthy?
On its 2025Q4 NCUA 5300 filing, Usf Federal Credit Union scores 87/100 (Excellent), with a 10.78% net worth ratio and 0.99% of loans delinquent. It ranks #1,680 of 4,374 nationally on health and #52 of 109 in Florida.
How does Usf Federal Credit Union compare to other credit unions?
Usf Federal Credit Union scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (96.09% vs 83.90%). Its widest shortfall is net worth ratio (10.78% vs 11.18%).
How can I join Usf Federal Credit Union?
Usf Federal Credit Union 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 Usf Federal Credit Union directly for the exact boundaries and application steps.
Is my money safe at Usf Federal Credit Union?
Usf Federal Credit Union 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. Usf Federal Credit Union's net worth ratio of 10.78% 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.