How many credit unions are in Florida?

There are 109 federally insured credit unions in Florida according to the latest NCUA Q4 2025 Call Report data. These institutions collectively hold $121.1B in assets and serve 7.8M members.

What is the average net worth ratio for credit unions in Florida?

The average net worth ratio for credit unions in Florida is 12.4%. The NCUA considers a credit union "well-capitalized" when its net worth ratio is 7% or higher. A ratio above 10% is considered excellent and signals strong financial health.

Which is the largest credit union in Florida?

The largest credit union in Florida by total assets is SUNCOAST with $19.7B in assets. You can view full details, branch locations, and financial health data on its individual profile page.

Credit Unions in Florida

109 federally insured credit unions — NCUA Q4 2025 data

Credit Unions

109

Federally insured in Florida

Total Members

7.8M

Combined membership

Total Assets

$121.1B

Combined industry assets

Avg Net Worth Ratio

12.4%

Well-capitalized threshold: 7%

Cities in Florida

Select a city to browse local credit unions

TAMPA11 credit unionsJACKSONVILLE10 credit unionsMIAMI8 credit unionsPensacola5 credit unionsORLANDO5 credit unionsTallahassee4 credit unionsPanama City4 credit unionsFORT LAUDERDALE4 credit unionsKey West3 credit unionsGAINESVILLE3 credit unionsHialeah2 credit unionsBoca Raton2 credit unionsLAKELAND2 credit unionsHollywood2 credit unionsWEST PALM BEACH2 credit unionsPALM SPRINGS1 credit unionLIVE OAK1 credit unionPORT ST JOE1 credit unionFort Walton Bea1 credit unionSan Antonio1 credit unionLargo1 credit unionPerry1 credit unionMILTON1 credit unionPALM BEACH GARD1 credit unionCrestview1 credit unionWesley Chapel1 credit unionDEFUNIAK SPRING1 credit unionDaytona Beach1 credit unionFt Lauderdale1 credit unionClewiston1 credit unionSweetwater1 credit unionMiami Lakes1 credit unionEatonville1 credit unionCantonment1 credit unionDunedin1 credit unionRockledge1 credit unionMelbourne1 credit unionSARASOTA1 credit unionPOMPANO BEACH1 credit unionCLEARWATER1 credit unionMARIANNA1 credit unionSEMINOLE1 credit unionBRANDON1 credit unionMonticello1 credit unionWINTER SPRINGS1 credit unionAltamonte Sprin1 credit unionBlountstown1 credit unionChipley1 credit unionSunrise1 credit unionMadison1 credit unionFernandina Beac1 credit unionOcala1 credit unionPembroke Pines1 credit unionMIRAMAR1 credit unionMacclenny1 credit unionLake Mary1 credit unionMERRITT ISLAND1 credit union

Top 10 Credit Unions in Florida

Ranked by total assets — Q4 2025

Rank	Name	Total Assets	Members	Health
#1	SUNCOAST	$19.7B	1.4M	A+
#2	VYSTAR	$13.7B	1.0M	A
#3	SPACE COAST	$9.1B	699K	A+
#4	MIDFLORIDA	$8.8B	489K	A+
#5	FAIRWINDS	$5.1B	247K	A+
#6	CAMPUS USA	$3.9B	160K	A+
#7	ADDITION FINANCIAL	$3.8B	257K	A
#8	GROW FINANCIAL	$3.8B	295K	A+
#9	ACHIEVA CREDIT UNION	$3.1B	214K	A+
#10	EGLIN	$3.1B	122K	A+

Financially Strongest Credit Unions in Florida

Net worth ratio ≥ 10% — well above the 7% well-capitalized threshold

45.9%NW Ratio

CONTAINER MUTUAL

$5.8M in assets

26.4%NW Ratio

FLORIDA CUSTOMS

$6.9M in assets

24.2%NW Ratio

HIALEAH MUNICIPAL EMPLOYEES

$13.4M in assets

24.1%NW Ratio

LOCAL 606 ELECTRICAL WORKERS

$5.5M in assets

19.4%NW Ratio

SOUTHERNMOST

$15.5M in assets

Credit Unions with Low Net Worth Ratios in Florida

The following credit unions have a net worth ratio below 5%, which is below the NCUA's “adequately capitalized” threshold of 6%. This information is provided for educational purposes only. All listed institutions remain federally insured by the NCUA up to $250,000. Contact the credit union or visit NCUA.gov for the latest status.

4.6%NW Ratio

UNITY OF EATONVILLE

$3.2M in assets

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Data sourced from the NCUA Quarterly Call Report (Q4 2025). All financial data is for informational purposes only.