RANKING ·
Largest net interest margin improvement in Florida
71 of 107 credit unions in Florida that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Harvesters Federal Credit Union | Cantonment, FL | +86 bps | $317 million |
| 2 | Powernet Credit Union | Tampa, FL | +79 bps | $125 million |
| 3 | Addition Financial Credit Union | Lake Mary, FL | +59 bps | $3.8 billion |
| 4 | Broward Healthcare Federal Credit Union | Fort Lauderdale, FL | +57 bps | $134 million |
| 5 | Jm Associates Federal Credit Union | Jacksonville, FL | +56 bps | $151 million |
| 6 | Launch Credit Union | Merritt Island, FL | +54 bps | $1.4 billion |
| 7 | Trax Federal Credit Union | Tampa, FL | +48 bps | $485 million |
| 8 | Sun Credit Union | Hollywood, FL | +38 bps | $129 million |
| 9 | Insight Credit Union | Winter Springs, FL | +37 bps | $629 million |
| 10 | Educational Federal Credit Union | Miami, FL | +36 bps | $1.8 billion |
| 11 | Community Credit Union of Florida | Rockledge, FL | +35 bps | $1.4 billion |
| 12 | Tropical Financial Credit Union | Miramar, FL | +33 bps | $1.0 billion |
| 13 | Miami Postal Service Credit Union | Miami, FL | +31 bps | $184 million |
| 14 | Tampa Bay Federal Credit Union | Tampa, FL | +29 bps | $494 million |
| 15 | Priorityone Credit Union of Florida | Sunrise, FL | +29 bps | $162 million |
| 16 | Brightstar Credit Union | Fort Lauderdale, FL | +29 bps | $1.1 billion |
| 17 | Floridacentral Credit Union | Tampa, FL | +28 bps | $622 million |
| 18 | Hello Credit Union | Panama City, FL | +27 bps | $160 million |
| 19 | Tyndall Federal Credit Union | Panama City, FL | +26 bps | $1.9 billion |
| 20 | First Florida Credit Union | Jacksonville, FL | +25 bps | $1.5 billion |
| 21 | Eglin Federal Credit Union | Fort Walton Bea, FL | +24 bps | $3.1 billion |
| 22 | Adventhealth Credit Union | Altamonte Sprin, FL | +24 bps | $125 million |
| 23 | Pinellas Federal Credit Union | Largo, FL | +24 bps | $170 million |
| 24 | Community South Credit Union | Chipley, FL | +21 bps | $245 million |
| 25 | Florida West Coast Credit Union | Brandon, FL | +19 bps | $144 million |
| 26 | University Credit Union | Miami, FL | +19 bps | $229 million |
| 27 | Grow Financial Federal Credit Union | Tampa, FL | +17 bps | $3.9 billion |
| 28 | Baptist Health South Florida Federal Credit Union | Miami, FL | +16 bps | $140 million |
| 29 | Ithink Financial Credit Union | Boca Raton, FL | +15 bps | $2.4 billion |
| 30 | Vystar Credit Union | Jacksonville, FL | +15 bps | $14.3 billion |
| 31 | First Commerce Credit Union | Tallahassee, FL | +14 bps | $1.2 billion |
| 32 | San Antonio Citizens Federal Credit Union | San Antonio, FL | +13 bps | $400 million |
| 33 | Connect Credit Union | Fort Lauderdale, FL | +12 bps | $103 million |
| 34 | Achieva Credit Union | Dunedin, FL | +11 bps | $3.2 billion |
| 35 | Orlando Credit Union | Orlando, FL | +10 bps | $379 million |
| 36 | Dade County Federal Credit Union | Sweetwater, FL | +9 bps | $1.5 billion |
| 37 | Mccoy Federal Credit Union | Orlando, FL | +9 bps | $1.0 billion |
| 38 | Midflorida Credit Union | Lakeland, FL | +8 bps | $9.8 billion |
| 39 | Space Coast Credit Union | Melbourne, FL | +8 bps | $9.2 billion |
| 40 | Tru Fi Credit Union | Macclenny, FL | +5 bps | $146 million |
| 41 | Radiant Credit Union | Gainesville, FL | +4 bps | $1.1 billion |
| 42 | Miami Firefighters Federal Credit Union | Miami, FL | +4 bps | $189 million |
| 43 | Keys Federal Credit Union | Key West, FL | +3 bps | $253 million |
| 44 | Innovations Financial Credit Union | Panama City, FL | +3 bps | $696 million |
| 45 | Gulf Winds Credit Union | Pensacola, FL | +3 bps | $1.4 billion |
| 46 | Campus USA Credit Union | Gainesville, FL | +1 bps | $4.0 billion |
| 47 | We Florida Financial Credit Union | Fort Lauderdale, FL | 0 bps | $700 million |
| 48 | First Choice Credit Union | West Palm Beach, FL | -1 bps | $161 million |
| 49 | Members First Credit Union of Flori | Pensacola, FL | -1 bps | $316 million |
| 50 | Alive Credit Union | Jacksonville, FL | -2 bps | $296 million |
| 51 | Radifi Federal Credit Union | Jacksonville, FL | -2 bps | $715 million |
| 52 | Panhandle Credit Union | Panama City, FL | -3 bps | $368 million |
| 53 | Santa Rosa County Federal Credit Union | Milton, FL | -3 bps | $223 million |
| 54 | Fairwinds Credit Union | Orlando, FL | -4 bps | $5.3 billion |
| 55 | Champions First Credit Union | Tallahassee, FL | -5 bps | $541 million |
| 56 | Suncoast Credit Union | Tampa, FL | -5 bps | $20.8 billion |
| 57 | Publix Employees Federal Credit Union | Lakeland, FL | -7 bps | $1.8 billion |
| 58 | Loyalty Credit Union | Pensacola, FL | -7 bps | $300 million |
| 59 | Coastline Federal Credit Union | Jacksonville, FL | -8 bps | $136 million |
| 60 | Calhoun Liberty Credit Union | Blountstown, FL | -9 bps | $180 million |
| 61 | Gold Coast Federal Credit Union | Palm Springs, FL | -9 bps | $270 million |
| 62 | Okaloosa County Teachers Federal Credit Union | Crestview, FL | -10 bps | $135 million |
| 63 | Penair Credit Union | Pensacola, FL | -14 bps | $2.8 billion |
| 64 | Gte Federal Credit Union | Tampa, FL | -15 bps | $3.1 billion |
| 65 | Guardians Credit Union | West Palm Beach, FL | -15 bps | $310 million |
| 66 | Usf Federal Credit Union | Tampa, FL | -16 bps | $1.4 billion |
| 67 | Florida Credit Union | Gainesville, FL | -23 bps | $2.8 billion |
| 68 | Community First Credit Union of Flo | Jacksonville, FL | -27 bps | $3.2 billion |
| 69 | Blue Coast Federal Credit Union | Perry, FL | -28 bps | $189 million |
| 70 | Power Financial Credit Union | Pembroke Pines, FL | -49 bps | $1.0 billion |
| 71 | Jetstream Federal Credit Union | Miami Lakes, FL | -50 bps | $307 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings