State overview · Q4 2025

Florida Credit Unions

All 109 federally-insured credit unions in Florida, ranked by financial health, from NCUA 5300 Call Reports.

109
Credit unions
7.8M
Members
$121.1B
Combined assets
85/100
Avg health
109 CUs · avg health 85/100

Florida has 109 federally insured credit unions averaging 85/100 health on NCUA 5300 Call Report aggregates. Combined assets $121.1B; 85 score Excellent (80+). State leader: Achieva Credit Union at 100/100.

  • Mean delinquency rank #3 of 52 (lower DQ better)
  • Mean ROA rank #33 of 52
  • Data vintage 2026-09-06

Florida vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

109 13th of 54 higher than 41 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Florida's 109 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)85 CUsGood (60–79)21 CUsFair (40–59)3 CUsWeak (<40)0 CUs

Florida Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 109 federally insured credit unions in Florida, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.74%
National rank #3 of 52 · lower DQ better
Mean ROA
0.51%
National rank #33 of 52
Mean loan-to-share
71.1%
Mean net worth 12.3% · well-capitalized (≥7%) 99.1%
Largest CU share of state assets
16.3%
Dispersed book, largest charter holds under 25% of combined Florida CU assets · concentration rank #12 of 52 (lower share = more dispersed) · largest by assets on this board: SUNCOAST

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Florida is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Florida vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Florida highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Florida vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%HI - 13.78%, 1.224%IL - 15.55%, 1.098%IA - 15.09%, 1.429%KS - 14.31%, 1.456%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%FL - 12.31%, 0.745%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Florida highlighted.

All Credit Unions in Florida

Credit Union Health
Achieva Credit Union Dunedin 100
FAIRWINDS ORLANDO 100
ADVENTHEALTH Altamonte Sprin 98
Community South Chipley 98
Grow Financial Tampa 98
Miami Firefighters MIAMI 98
Publix Employees LAKELAND 98
RADIANT Gainesville 98
Dade County Sweetwater 97
EDUCATIONAL MIAMI 97
First Commerce Tallahassee 97
PENAIR Pensacola 97
Tru Fi Macclenny 97
COASTLINE Jacksonville 96
Florida West Coast BRANDON 96
PANHANDLE Panama City 96
Financial Educators Daytona Beach 95
Innovations Financial Panama City 95
MIDFLORIDA Lakeland 95
SUNCOAST TAMPA 95
FLORIDA GAINESVILLE 94
Ithink Financial Boca Raton 94
Velocity Community PALM BEACH GARD 94
Blue Coast Perry 93
Calhoun Liberty Blountstown 93
Community First Credit Union of Flo JACKSONVILLE 93
GUARDIANS WEST PALM BEACH 93
HARVESTERS Cantonment 93
MCCOY ORLANDO 93
My Pensacola Pensacola 93
TRANSPORT Tampa 93
UNIVERSITY MIAMI 93
Champions First Tallahassee 92
Community Credit Union of Florida Rockledge 92
SOUTHERNMOST Key West 92
Space Coast Melbourne 92
Addition Financial Lake Mary 91
Gulf Winds PENSACOLA 91
Pompano Beach City Emp. POMPANO BEACH 91
San Antonio Citizens San Antonio 91
Baptist Health South Florida Miami 90
JETSTREAM Miami Lakes 90
Jm Associates Jacksonville 90
Launch Credit Union MERRITT ISLAND 90
ORLANDO Orlando 89
PINELLAS Largo 89
Suwannee River LIVE OAK 89
1st Street SARASOTA 88
First Florida Jacksonville 88
SUN Hollywood 88
Members First Credit Union of Flori Pensacola 87
T M H TALLAHASSEE 87
Usf Federal Credit Union Tampa 87
Florida Customs Tampa 86
Local 606 Electrical Workers ORLANDO 86
Tampa Bay Tampa 86
ALIVE Jacksonville 85
Campus USA Gainesville 85
City-County Employees CLEARWATER 85
EGLIN Fort Walton Bea 85
Jackson County 1st MARIANNA 85
Priorityone Credit Union of Florida Sunrise 85
BRIGHTSTAR Fort Lauderdale 84
Connect Credit Union Fort lauderdale 84
FLORIDACENTRAL Tampa 84
KEYS Key West 84
MIAMI MIAMI 84
Container Mutual Fernandina Beac 83
HELLO Panama City 83
Hialeah Municipal Employees Hialeah 83
Madison Education Assoc. Madison 83
Metro North JACKSONVILLE 83
RADIFI Jacksonville 83
TYNDALL Panama City 83
POWERNET Tampa 82
Santa Rosa County MILTON 82
Walton County Teachers DEFUNIAK SPRING 82
Compass Financial Hialeah 81
FARMERS JACKSONVILLE 81
GTE TAMPA 81
Memorial Employees Financial HOLLYWOOD 81
Monroe County Teachers Key West 81
Gold Coast PALM SPRINGS 80
INSIGHT WINTER SPRINGS 80
Jax Fire Jacksonville 80
ECU SEMINOLE 79
EVERGLADES Clewiston 79
First Choice WEST PALM BEACH 79
Electricians' Local 349 MIAMI 78
South Atlantic Boca Raton 78
LOYALTY Pensacola 77
TRAX Tampa 77
Broward Healthcare FORT LAUDERDALE 76
Okaloosa County Teachers Crestview 74
Power Financial Pembroke Pines 74
Jefferson County Teachers Monticello 73
Emerald Coast PORT ST JOE 72
FICARE Wesley Chapel 72
Shaw-Ross Employees Miami 72
VYSTAR Jacksonville 72
Miami Postal Service Miami 71
Coral Community Ft Lauderdale 69
Tampa Postal TAMPA 69
We Florida Financial Fort Lauderdale 69
Ocala Community Ocala 65
Tropical Financial MIRAMAR 65
Unity of Eatonville Eatonville 54
Florida a & M University Tallahassee 46
PRIORITY Orlando 44

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Florida

Florida is home to 109 federally-insured credit unions collectively serving 7.8M members with $121.1B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 85/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Achieva Credit Union of Dunedin currently leads the cohort with a health score of 100/100, while the full distribution spans 109 institutions ranked below.

The health distribution breaks into four bands: 85 credit unions score 80–100 (Excellent), 21 score 60–79 (Good), 3 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Florida's 109 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Florida: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($121.1B here).

Michigan $115.4B New York $131.2B Washington $94.0B North Carolina $89.7B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (109 here).

Wisconsin 100 CUs Virginia 95 CUs Indiana 124 CUs Massachusetts 126 CUs

Frequently Asked Questions

How many credit unions are in Florida?

There are 109 federally-insured credit unions in Florida as of Q4 2025, with a combined 7.8M members and $121.1B in total assets. That places Florida at #5 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Florida ranks #10 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Florida?

Based on NCUA Q4 2025 data, Achieva Credit Union in Dunedin ranks highest in Florida with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Florida's data

  • Achieva Credit Union in Dunedin is the healthiest scored credit union in Florida at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Florida's credit unions rank #3 of 52 nationally on delinquency rate (among the lowest) and #33 of 52 on return on assets (mid-pack) -- both factor into the health score above, but they can move independently. National health rankings
  • Florida ranks #10 of 54 by average health score and #5 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.