Charter 24703 · Tampa, FL
Trax Federal Credit Union
Trax Federal Credit Union is a federally chartered credit union in Tampa, Florida, with $485 million in assets and 45,220 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.98%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as TRAX CREDIT UNION.
- Total assets
- $485 million
- -3.2% in a year
- Members
- 45,220
- +0.5% in a year
- Net worth ratio
- 12.98%
- Peer median 11.65%
- Loans 60+ days late
- 1.80%
- Peer median 0.70%
- Loans outstanding
- $216 million
- +7.6% in a year
- Shares and deposits
- $416 million
- -4.3% in a year
- Branches
- 9
- 91 employees
- Opened
- 1935
- Federal charter
How Trax Federal Credit Union compares
NCUA groups credit unions by size; Trax Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.98% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.80%, is higher than the group median of 0.70%. Loans grew 7.6% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 39 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 | $485 million | 45,220 | $216 million | 12.98% | 1.80% |
| Q1 2026 | $490 million | 45,113 | $208 million | 12.78% | 1.41% |
| Q4 2025 | $488 million | 45,052 | $197 million | 12.77% | 1.85% |
| Q3 2025 | $495 million | 45,049 | $205 million | 12.52% | 1.76% |
| Q2 2025 | $501 million | 44,985 | $201 million | 12.26% | 1.45% |
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 3.5 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 9 sites for Trax 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.
- Zephyrhills
36239 Pure Water Way, Zephyrhills, FL 33541 - Temple Terrace
12125 N 56Th St, Temple Terrace, FL 33617 - Plant City
1701 W Baker St, Plant City, FL 33563 - Winthrop
6106 Delancey Station St, Riverview, FL 33578 - South Lakeland
2315 Drane Field Rd, Lakeland, FL 33811 - Seffner
1209 Kingsway Rd, Brandon, FL 33510 - North Lakeland
3305 Lakeland Hills Blvd, Lakeland, FL 33805 - Main (main office)
3710 N 50Th St, Tampa, FL 33619 - SouthShore
619 30Th St Ne, Ruskin, FL 33570
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