States
Credit unions in Florida: the best and largest of 107, compared
Independent site, not the NCUA, a credit union or a bank. General information, not financial advice.
All 107 filers based in Florida, largest first. Sort them by what matters to you.
Credit unions by state, from the federal filings
Florida: credit unions that match
107
| Their members | 7.94M |
| Their assets | $126.2B |
| First on this sort | Suncoast Credit Union |
| Credit union | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|
| Suncoast Credit UnionTampa | $20.8B | 1.41M | 10.12% | 0.92% | 80 | 4/5 |
| VyStar Credit Union (VyStar Title Agency LLC)Jacksonville | $14.3B | 1.02M | 8.93% | 1.25% | 98 | 3/5 |
| MidFlorida Credit UnionLakeland | $9.79B | 500K | 10.69% | 0.46% | 69 | 5/5 |
| Space Coast Credit Union (SCCU)Melbourne | $9.15B | 705K | 11.41% | 0.80% | 71 | 4/5 |
| Fairwinds Credit UnionOrlando | $5.34B | 258K | 11.17% | 0.46% | 31 | 5/5 |
| Campus USA Credit UnionNewberry | $4.04B | 165K | 12.25% | 0.38% | 22 | 4/5 |
| Grow Financial Federal Credit UnionTampa | $3.92B | 302K | 11.23% | 0.60% | 26 | 5/5 |
| Addition Financial Credit UnionLake Mary | $3.81B | 259K | 9.98% | 1.40% | 36 | 4/5 |
| Achieva Credit UnionDunedin | $3.25B | 217K | 9.94% | 0.35% | 28 | 5/5 |
| Community First Credit Union of FloJacksonville | $3.21B | 194K | 12.26% | 0.63% | 28 | 5/5 |
NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.
107 credit unions based in Florida filed 7.94M members and $126.2B in assets with the National Credit Union Administration for June 30, 2026. Florida’s 107 filers report 7.94M members and $126.2B in assets, led by Suncoast Credit Union in Tampa, VyStar Credit Union in Jacksonville and MidFlorida Credit Union in Lakeland. 30 of them hold $1 billion or more, a very deep bench. Combined net worth, 10.81%, sits near the national 11.42%. Loans two months late or worse come to 0.78%, close to the national 0.96%. One federally insured filer reports net worth under the 7% line of the federal capital rule. 18 filers report one branch or none, the 3rd lowest share. Credit cards count for more than usual, 4.3% of loans, led by Santa Rosa County Federal Credit Union at 11.9%. Each employee on file works out at 403 members, the 8th highest count. Offices by city: Jacksonville (90), Tampa (71), Orlando (50), Miami (42), out of 250 places in 64 counties. Gone since last year: Envision CU ($847M), Velocity Community FCU ($483M), First Coast Community CU ($152M), Coral Community FCU ($41M), the largest of 6. New: Velocity Community CU ($492M). Latest charter: Unity of Eatonville Federal Credit Union, 2021. The file does not say who may join any of them, or why a charter stopped filing.
Two states side by side
Credit unions: Florida and Ohio
107 and 192
| Members | 7.94M / 3.32M |
| Assets | $126.2B / $50.5B |
| Net worth ratio | 10.81% / 11.52% |
| Delinquency | 0.78% / 0.88% |
| Top 3 share of assets | 35.5% / 32.2% |
Filings read by Radif Partners · Editorial policy · Method and sources
A large market with crowded branches
Offices are the striking part: 1,124 member-service locations, of which 146 belong to 40 credit unions based elsewhere, led by Navy Federal with 35. A name on this list may be limited to certain counties or groups, which the file does not show, so confirm yours on the credit union’s own page.
Highest net worth (over $100 million): JM Associates FCU, 15.46%. Fewest late loans: Calhoun Liberty CU, 0.01%. Most branches: VyStar CU, 98. Most members: Suncoast CU, 1.41M. Largest member change: Broward Healthcare FCU, +41.36%. Next by assets: Space Coast CU, Fairwinds CU, Campus USA CU, Grow Financial FCU, Addition Financial CU, Achieva CU. Smallest: Unity of Eatonville FCU, Container Mutual CU, Local 606 Electrical Workers FCU. Under 7% net worth: Unity of Eatonville FCU. Minority depository flag: Dade County FCU, Jetstream FCU, Miami Postal Service CU, Baptist Health South Florida FCU and 5 more. Largest outside presence: Navy FCU, from VA, 35 offices.
Connect CU (73.4%) leans most on vehicle loans, Calhoun Liberty CU (53.3%) on first-lien home loans, Santa Rosa County FCU (11.9%) on cards. Oldest charters: Connect CU, 1909; First Choice CU, 1929; Priority CU, 1930. Tyndall FCU lost the most members in percentage terms, -8.18%, among those over $10 million.
Rank among the 50 states and DC
| Measure | Florida | Rank | All filers |
|---|---|---|---|
| Vehicle loans, share of loans | 38.3% | 12th highest | 27.5% |
| First-lien home loans, share of loans | 29.6% | 17th lowest | 36.6% |
| Credit cards, share of loans | 4.3% | 6th highest | 4.9% |
| Commercial loans without real estate, share of loans | 0.8% | 21st lowest | 0.8% |
| Loans as a share of shares and deposits | 85.2% | 17th highest | |
| Assets per member | $15,905 | 15th lowest | |
| Members per reported branch | 7,501 | 9th highest | |
| Members per employee (full- and part-time) | 403 | 8th highest | |
| Filers with one branch or none | 16.8% | 3rd lowest | |
| Three largest names, share of assets | 35.5% | 12th lowest | |
| Fall in filer count over 12 months | 4.5% | 21st highest | |
| Median year a charter opened | 1954 | 17th highest |
The largest in Florida
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| Suncoast Credit Union | Tampa | $20.8B | 1.41M | 10.12% | 0.92% | 80 | 4/5 |
| VyStar Credit Union (VyStar Title Agency LLC) | Jacksonville | $14.3B | 1.02M | 8.93% | 1.25% | 98 | 3/5 |
| MidFlorida Credit Union | Lakeland | $9.79B | 500K | 10.69% | 0.46% | 69 | 5/5 |
| Space Coast Credit Union (SCCU) | Melbourne | $9.15B | 705K | 11.41% | 0.80% | 71 | 4/5 |
| Fairwinds Credit Union | Orlando | $5.34B | 258K | 11.17% | 0.46% | 31 | 5/5 |
| Campus USA Credit Union | Newberry | $4.04B | 165K | 12.25% | 0.38% | 22 | 4/5 |
| Grow Financial Federal Credit Union | Tampa | $3.92B | 302K | 11.23% | 0.60% | 26 | 5/5 |
| Addition Financial Credit Union | Lake Mary | $3.81B | 259K | 9.98% | 1.40% | 36 | 4/5 |
| Achieva Credit Union | Dunedin | $3.25B | 217K | 9.94% | 0.35% | 28 | 5/5 |
| Community First Credit Union of Flo | Jacksonville | $3.21B | 194K | 12.26% | 0.63% | 28 | 5/5 |
| GTE Federal Credit Union (GTE Financial) | Tampa | $3.12B | 232K | 11.13% | 1.08% | 24 | 4/5 |
| Eglin Federal Credit Union | Fort Walton Beach | $3.09B | 122K | 13.06% | 0.35% | 12 | 4/5 |
| Penair Credit Union | Pensacola | $2.82B | 140K | 11.48% | 0.60% | 18 | 5/5 |
| Florida Credit Union | Gainesville | $2.81B | 186K | 12.70% | 0.80% | 16 | 4/5 |
| Ithink Financial Credit Union | Delray Beach | $2.38B | 119K | 10.71% | 0.75% | 23 | 4/5 |
| Tyndall Federal Credit Union | Panama City | $1.92B | 101K | 13.61% | 0.26% | 10 | 4/5 |
| Educational Federal Credit Union (EdFed) | Miami | $1.84B | 122K | 15.45% | 0.61% | 9 | 5/5 |
| Publix Employees Federal Credit Union | Lakeland | $1.80B | 126K | 11.29% | 0.48% | 12 | 5/5 |
| Dade County Federal Credit Union | Sweetwater | $1.54B | 112K | 13.09% | 0.31% | 11 | 5/5 |
| First Florida Credit Union | Jacksonville | $1.47B | 63K | 12.95% | 0.65% | 19 | 5/5 |
| Community Credit Union of Florida | Rockledge | $1.45B | 56K | 11.25% | 0.22% | 8 | 5/5 |
| Launch Credit Union (Launch CU) | Merritt Island | $1.44B | 87K | 9.32% | 0.95% | 19 | 4/5 |
| USF Federal Credit Union (Darden Credit Union) | Temple Terrace | $1.40B | 80K | 10.62% | 0.77% | 10 | 4/5 |
| Gulf Winds Credit Union (gogulfwinds.com) | Pensacola | $1.36B | 75K | 9.90% | 0.44% | 12 | 5/5 |
| First Commerce Credit Union | Tallahassee | $1.24B | 75K | 10.13% | 0.50% | 15 | 5/5 |
Offices run from other states
| Credit union | Based in | Offices here | Total assets | Net worth |
|---|---|---|---|---|
| Navy Federal Credit Union | VA | 35 | $204.4B | 11.65% |
| Lake Michigan Credit Union | MI | 23 | $17.3B | 11.27% |
| Self-Help Credit Union | NC | 10 | $2.17B | 24.51% |
| DFCU Financial Credit Union | MI | 9 | $8.04B | 12.63% |
| Partners Federal Credit Union | CA | 7 | $2.77B | 11.74% |
| All in Federal Credit Union | AL | 6 | $3.73B | 10.09% |
| American Airlines Federal Credit Union | TX | 6 | $9.50B | 11.68% |
| Elga Credit Union | MI | 5 | $2.50B | 17.80% |
| Dort Financial Credit Union | MI | 4 | $2.44B | 10.41% |
| Teachers Federal Credit Union | NY | 3 | $9.92B | 11.03% |
| Suma Federal Credit Union | NY | 3 | $468M | 12.25% |
| Northrop Grumman Federal Credit Union | CA | 3 | $1.65B | 9.08% |
In figures
| Measure | Florida | Federally insured, US |
|---|---|---|
| Credit unions | 107 | 4,214 |
| Members | 7.94M | 146.11M |
| Assets | $126.2B | $2.50T |
| Net worth ratio | 10.81% | 11.42% |
| Delinquency | 0.78% | 0.96% |
| Same-charter members, 12 months | +3.84% | n/a |
| Same-charter assets, 12 months | +7.23% | n/a |
| Filers a year earlier | 112 | n/a |
| Federal charters | 47 | 2,649 |
| State charters | 60 | 1,650 |
| Minority depository flag | 9 | 454 |
Who can join
We read these rules on the credit union’s own page. MidFlorida Credit Union: Live, work, worship or attend school in any of its 59 counties. (midflorida.com/become-a-member, read on November 2, 2026) For every other name on this list, membership is not verified: confirm with the credit union. How to join sets out the steps.