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
- HEALTH 87/100
- NW 10.8%
- DELQ 0.99%
- ROA 0.23%
- ASSETS $1.38B
- MEM 78,887
- RANK #1,680/4,374
- PHOTO ISLAND
- BOOK 24223
Call Report peers
Usf Federal Credit Union in the assets neighbourhood
Usf Federal Credit Union's $1.38B assets sit next to ISLAND ($1.39B) 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.
Usf Federal Credit Union 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24223: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Usf Federal Credit Union: 2025Q4 → 2026Q1
Usf Federal Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $1.38B (2025Q4) to $1.37B (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.63% → 10.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Usf Federal Credit Union - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.38B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 Usf Federal Credit Union financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Usf Federal Credit Union's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,680 of 4,374; by total assets it ranks #361 of 4,374 nationally (same basis as /rankings/largest); and #23 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.78% net worth ratio and 0.99% delinquency rate are the key drivers.
How does Usf Federal Credit Union compare to other credit unions?
87/100 is Usf Federal Credit Union's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Usf Federal Credit Union 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. Usf Federal Credit Union's net worth ratio of 10.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Usf Federal Credit Union offer compared to banks?
Credit unions like Usf Federal Credit Union 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 Usf Federal Credit Union 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.