Charter 10880 · Largo, FL
Pinellas Federal Credit Union
Pinellas Federal Credit Union is a federally chartered credit union in Largo, Florida, with $170 million in assets and 10,605 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.10%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as PFCU.
- Total assets
- $170 million
- -2.9% in a year
- Members
- 10,605
- -5.1% in a year
- Net worth ratio
- 13.10%
- Peer median 11.65%
- Loans 60+ days late
- 0.92%
- Peer median 0.70%
- Loans outstanding
- $98.1 million
- +4.3% in a year
- Shares and deposits
- $147 million
- -3.8% in a year
- Branches
- 3
- 23 employees
- Opened
- 1956
- Federal charter
How Pinellas Federal Credit Union compares
NCUA groups credit unions by size; Pinellas Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.10% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.92%, is higher than the group median of 0.70%. Loans grew 4.3% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 58 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 | $170 million | 10,605 | $98.1 million | 13.10% | 0.92% |
| Q1 2026 | $172 million | 10,772 | $101 million | 12.81% | 0.79% |
| Q4 2025 | $172 million | 11,003 | $102 million | 12.72% | 0.49% |
| Q3 2025 | $171 million | 11,065 | $97.4 million | 12.59% | 0.47% |
| Q2 2025 | $176 million | 11,174 | $94.1 million | 12.26% | 0.64% |
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 320,532 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 3 sites for Pinellas Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- North County
30645 Us Highway 19 N Unit 11, Palm Harbor, FL 34684 - St. Petersburg
3100 5Th Ave N, St Petersburg, FL 33713 - East Bay Main Office (main office)
350 E Bay Dr, Largo, FL 33770
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