Usf Federal Credit Union
Tampa, FL · Charter 24223 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
$1.4BAssets
$1.2BLoans
$1.2BShares
$149.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 66% of credit unions $1B-$10B in assets (rank 147 of 435).
- Widest gap: return on equity trails 87% of credit unions $1B-$10B in assets (rank 377 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.36%
Rank 378 of 435
Net Interest Margin
3.62%
Rank 147 of 435
Efficiency Ratio
75.10%
Rank 280 of 435
Equity / Assets
10.62%
Rank 245 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.55% | 0.81% | 1.14% | Beats 13% | 378 / 435 | | |
| Return on Equity | 3.40% | 5.12% | 7.41% | 9.70% | Beats 13% | 377 / 435 | | |
| Net Interest Margin | 3.62% | 3.01% | 3.39% | 3.75% | Beats 66% | 147 / 435 | | |
| Efficiency Ratio | 75.10% | 65.25% | 71.39% | 77.86% | Beats 36% | 280 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.77% | 0.45% | 0.69% | 1.05% | Beats 43% | 247 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.62% | 9.81% | 10.84% | 12.63% | Beats 44% | 245 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.62% | 9.81% | 10.84% | 12.63% | Beats 44% | 245 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.14% | 78.33% | 88.38% | 95.61% | 88th pctl | 51 / 435 | | |
| Loans / Assets | 85.61% | 67.69% | 74.58% | 80.80% | 92nd pctl | 36 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |