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Florida Credit Union Performance
How the 107 credit unions based in Florida are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Florida's 107 credit unions serve 7,921,713 members and hold $125.02B in combined assets. The median Florida credit union earned a 0.54% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Florida credit unions was 0.14%, compared with -0.55% nationally. Median one-year asset growth was 2.84%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Florida at a glance
Florida vs. the United States
System totals are the sum of every credit union in Florida. The share column is Florida's portion of the national figure.
| Measure | Florida | United States | Florida share |
|---|---|---|---|
| Credit unions | 107 | 4,335 | 2.5% |
| Members | 7,921,713 | 147,031,529 | 5.4% |
| Residents (population) | 23,372,215 | 340,110,988 | 6.9% |
| Total assets | $125.02B | $2,507.50B | 5.0% |
| Total loans | $90.04B | $1,744.86B | 5.2% |
| Total shares & deposits | $107.63B | $2,143.21B | 5.0% |
| Total net worth | $13.37B | $282.23B | 4.7% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Florida credit unions report about 34 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Florida credit unions serve members in other states, so it overstates true in-state penetration.)
The median Florida credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Florida CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.54% | 0.66% |
| Net worth ratio | 10.99% | 12.44% |
| Loan-to-share ratio | 73.56% | 67.86% |
| Delinquency ratio | 0.47% | 0.63% |
| Net charge-off ratio | 0.48% | 0.33% |
| Cost of funds | 1.21% | 1.05% |
| Member growth (1 yr) | 0.14% | -0.55% |
| Asset growth (1 yr) | 2.84% | 2.78% |
| Loan growth (1 yr) | 4.48% | 0.63% |
| Share growth (1 yr) | 2.54% | 2.36% |
| Net worth growth (1 yr) | 5.49% | 5.57% |
Trends over time
The median Florida credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.61% · 0.72%
— Florida ‑‑ U.S. (1 year not shown)
Net worth ratio 11.19% · 12.46%
— Florida ‑‑ U.S.
Loan-to-share ratio 74.06% · 69.70%
— Florida ‑‑ U.S.
Delinquency ratio 0.58% · 0.72%
— Florida ‑‑ U.S.
Asset growth (1 yr) 3.38% · 3.26%
— Florida ‑‑ U.S. (1 year not shown)
Member growth (1 yr) -0.04% · -0.52%
— Florida ‑‑ U.S. (1 year not shown)
Florida leaderboards
Largest by assets
- 1 Suncoast Schools Credit Union $20.54B
- 2 VyStar Credit Union $13.80B
- 3 Midflorida Credit Union $9.82B
- 4 Space Coast Credit Union $9.29B
- 5 Fairwinds Credit Union $5.29B
- 6 Campus USA Credit Union $3.97B
- 7 Grow Financial Credit Union $3.94B
- 8 Central Florida Educators Credit Union $3.81B
- 9 Community First Credit Union OF FLO $3.17B
- 10 Achieva Credit Union $3.15B
Highest return on assets
- 1 Powernet Credit Union 2.84%
- 2 North Broward Hospital District Credit Union 2.31%
- 3 MembersFirst Credit Union of Florida 1.87%
- 4 Country Credit Union 1.76%
- 5 Dade County Credit Union 1.57%
- 6 Florida Credit Union 1.52%
- 7 Midflorida Credit Union 1.32%
- 8 Hollywood Municipal Emp. Credit Union 1.30%
- 9 Postal and Professional Credit Union 1.30%
- 10 Campus USA Credit Union 1.27%
Fastest-growing (organic)
- 1 Power Financial Credit Union 15.85%
- 2 Midflorida Credit Union 14.51%
- 3 Florida Credit Union 13.90%
- 4 Campus USA Credit Union 12.71%
- 5 Community First Credit Union OF FLO 12.35%
- 6 Publix Employees Credit Union 12.23%
- 7 Jax Credit Union 11.70%
- 8 Innovations Financial Credit Union 10.54%
- 9 USF Federal Credit Union 9.44%
- 10 Suncoast Schools Credit Union 9.31%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
The small credit unions in Florida
57 at the end of 2016, 29 at the end of 2025.
Median net worth ratio 14.27% against 10.80% for credit unions at or above the line. Median one-year member growth -1.97% against 1.10%.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Florida that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.