Charter 60497 · Gainesville, FL
Florida Credit Union
Florida Credit Union is a state-chartered credit union in Gainesville, Florida, with $2.81 billion in assets and 185,862 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.70%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $2.81 billion
- +15.6% in a year
- Members
- 185,862
- +8.3% in a year
- Net worth ratio
- 12.70%
- Peer median 10.79%
- Loans 60+ days late
- 0.80%
- Peer median 0.67%
- Loans outstanding
- $2.29 billion
- +14.3% in a year
- Shares and deposits
- $2.38 billion
- +16.4% in a year
- Branches
- 16
- 336 employees
- Opened
- 1954
- Florida charter
How Florida Credit Union compares
NCUA groups credit unions by size; Florida Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 12.70% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.80%, is higher than the group median of 0.67%. Loans grew 14.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 14 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $2.81 billion | 185,862 | $2.29 billion | 12.70% | 0.80% |
| Q1 2026 | $2.74 billion | 180,764 | $2.16 billion | 12.67% | 0.68% |
| Q4 2025 | $2.64 billion | 177,623 | $2.14 billion | 12.78% | 0.79% |
| Q3 2025 | $2.53 billion | 174,618 | $2.07 billion | 12.86% | 0.69% |
| Q2 2025 | $2.43 billion | 171,550 | $2.00 billion | 12.97% | 0.63% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 6.1 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 17 sites for Florida Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Fred Bear Corporate Office (main office)
5670 Sw 41St Blvd, Gainesville, FL 32608 - 43rd Street
2831 Nw 43Rd St, Gainesville, FL 32606 - 13th Street
3720 Nw 13Th St Ste 10C, Gainesville, FL 32609 - Haile Branch
2785 Sw 91St St Ste 200, Gainesville, FL 32608 - Lake City
583 W Duval St, Lake City, FL 32055 - Ocala Branch
2424 Sw 17Th Rd, Ocala, FL 34471 - Starke Branch
2460 Commercial Dr, Starke, FL 32091 - Silver Springs
3504 E Silver Springs Blvd, Ocala, FL 34470 - Country Oaks
9680 Sw 114Th St, Ocala, FL 34481 - 16th Street ATM
1122 Ne 16Th Ave, Gainesville, FL 32601 - Deland Branch
1699A N Woodland Blvd, Deland, FL 32720 - Maricamp
10 Bahia Ave, Ocala, FL 34472 - Butler
2803 Sw 42Nd St, Gainesville, FL 32608 - Fort Clarke Expansion
1701 Nw 80Th Blvd, Gainesville, FL 32606 - Belleview
10303 Se Us Highway 441, Belleview, FL 34420 - Trailwinds-Wildwood
5804 Seven Mile Dr, Wildwood, FL 34785 - Lecanto
1586 N Lecanto Highway, Lecanto, FL 34461
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology