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 unions JACKSONVILLE10 credit unions MIAMI8 credit unions Pensacola5 credit unions ORLANDO5 credit unions Tallahassee4 credit unions Panama City4 credit unions FORT LAUDERDALE4 credit unions Key West3 credit unions GAINESVILLE3 credit unions Hialeah2 credit unions Boca Raton2 credit unions LAKELAND2 credit unions Hollywood2 credit unions WEST PALM BEACH2 credit unions PALM SPRINGS1 credit union LIVE OAK1 credit union PORT ST JOE1 credit union Fort Walton Bea1 credit union San Antonio1 credit union Largo1 credit union Perry1 credit union MILTON1 credit union PALM BEACH GARD1 credit union Crestview1 credit union Wesley Chapel1 credit union DEFUNIAK SPRING1 credit union Daytona Beach1 credit union Ft Lauderdale1 credit union Clewiston1 credit union Sweetwater1 credit union Miami Lakes1 credit union Eatonville1 credit union Cantonment1 credit union Dunedin1 credit union Rockledge1 credit union Melbourne1 credit union SARASOTA1 credit union POMPANO BEACH1 credit union CLEARWATER1 credit union MARIANNA1 credit union SEMINOLE1 credit union BRANDON1 credit union Monticello1 credit union WINTER SPRINGS1 credit union Altamonte Sprin1 credit union Blountstown1 credit union Chipley1 credit union Sunrise1 credit union Madison1 credit union Fernandina Beac1 credit union Ocala1 credit union Pembroke Pines1 credit union MIRAMAR1 credit union Macclenny1 credit union Lake Mary1 credit union MERRITT 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

Frequently Asked Questions

Browse Nearby States

Credit Unions in Georgia Credit Unions in Alabama

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