RANKING ·
Lowest efficiency ratio 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 positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Suncoast Credit Union | Tampa, FL | 54.2% | $20.8 billion |
| 2 | Tyndall Federal Credit Union | Panama City, FL | 55.4% | $1.9 billion |
| 3 | Florida Credit Union | Gainesville, FL | 55.4% | $2.8 billion |
| 4 | Jm Associates Federal Credit Union | Jacksonville, FL | 56.1% | $151 million |
| 5 | Campus USA Credit Union | Gainesville, FL | 57.9% | $4.0 billion |
| 6 | Eglin Federal Credit Union | Fort Walton Bea, FL | 60.8% | $3.1 billion |
| 7 | Space Coast Credit Union | Melbourne, FL | 61.7% | $9.2 billion |
| 8 | Community First Credit Union of Flo | Jacksonville, FL | 63.1% | $3.2 billion |
| 9 | Priorityone Credit Union of Florida | Sunrise, FL | 63.2% | $162 million |
| 10 | Dade County Federal Credit Union | Sweetwater, FL | 63.5% | $1.5 billion |
| 11 | Grow Financial Federal Credit Union | Tampa, FL | 63.8% | $3.9 billion |
| 12 | Midflorida Credit Union | Lakeland, FL | 65.4% | $9.8 billion |
| 13 | Alive Credit Union | Jacksonville, FL | 65.8% | $296 million |
| 14 | Brightstar Credit Union | Fort Lauderdale, FL | 66.5% | $1.1 billion |
| 15 | Sun Credit Union | Hollywood, FL | 66.8% | $129 million |
| 16 | Members First Credit Union of Flori | Pensacola, FL | 67.1% | $316 million |
| 17 | Gulf Winds Credit Union | Pensacola, FL | 67.7% | $1.4 billion |
| 18 | Powernet Credit Union | Tampa, FL | 68.0% | $125 million |
| 19 | Panhandle Credit Union | Panama City, FL | 68.9% | $368 million |
| 20 | Ithink Financial Credit Union | Boca Raton, FL | 70.0% | $2.4 billion |
| 21 | Publix Employees Federal Credit Union | Lakeland, FL | 70.2% | $1.8 billion |
| 22 | Calhoun Liberty Credit Union | Blountstown, FL | 70.3% | $180 million |
| 23 | Keys Federal Credit Union | Key West, FL | 70.6% | $253 million |
| 24 | Achieva Credit Union | Dunedin, FL | 70.8% | $3.2 billion |
| 25 | Educational Federal Credit Union | Miami, FL | 71.3% | $1.8 billion |
| 26 | Innovations Financial Credit Union | Panama City, FL | 71.6% | $696 million |
| 27 | Tru Fi Credit Union | Macclenny, FL | 71.7% | $146 million |
| 28 | Santa Rosa County Federal Credit Union | Milton, FL | 72.0% | $223 million |
| 29 | Community Credit Union of Florida | Rockledge, FL | 72.2% | $1.4 billion |
| 30 | Vystar Credit Union | Jacksonville, FL | 72.5% | $14.3 billion |
| 31 | Trax Federal Credit Union | Tampa, FL | 73.5% | $485 million |
| 32 | Addition Financial Credit Union | Lake Mary, FL | 73.6% | $3.8 billion |
| 33 | Miami Firefighters Federal Credit Union | Miami, FL | 73.8% | $189 million |
| 34 | San Antonio Citizens Federal Credit Union | San Antonio, FL | 74.2% | $400 million |
| 35 | First Florida Credit Union | Jacksonville, FL | 74.5% | $1.5 billion |
| 36 | Usf Federal Credit Union | Tampa, FL | 75.0% | $1.4 billion |
| 37 | Power Financial Credit Union | Pembroke Pines, FL | 75.4% | $1.0 billion |
| 38 | Connect Credit Union | Fort Lauderdale, FL | 75.4% | $103 million |
| 39 | Tampa Bay Federal Credit Union | Tampa, FL | 75.6% | $494 million |
| 40 | Tropical Financial Credit Union | Miramar, FL | 76.3% | $1.0 billion |
| 41 | First Commerce Credit Union | Tallahassee, FL | 76.4% | $1.2 billion |
| 42 | Radiant Credit Union | Gainesville, FL | 76.4% | $1.1 billion |
| 43 | Gte Federal Credit Union | Tampa, FL | 76.4% | $3.1 billion |
| 44 | Baptist Health South Florida Federal Credit Union | Miami, FL | 77.4% | $140 million |
| 45 | Adventhealth Credit Union | Altamonte Sprin, FL | 77.6% | $125 million |
| 46 | Radifi Federal Credit Union | Jacksonville, FL | 78.1% | $715 million |
| 47 | Penair Credit Union | Pensacola, FL | 78.3% | $2.8 billion |
| 48 | Orlando Credit Union | Orlando, FL | 78.3% | $379 million |
| 49 | First Choice Credit Union | West Palm Beach, FL | 78.5% | $161 million |
| 50 | Florida West Coast Credit Union | Brandon, FL | 79.0% | $144 million |
| 51 | Community South Credit Union | Chipley, FL | 79.3% | $245 million |
| 52 | Jetstream Federal Credit Union | Miami Lakes, FL | 79.7% | $307 million |
| 53 | Harvesters Federal Credit Union | Cantonment, FL | 80.1% | $317 million |
| 54 | Guardians Credit Union | West Palm Beach, FL | 80.1% | $310 million |
| 55 | Mccoy Federal Credit Union | Orlando, FL | 80.3% | $1.0 billion |
| 56 | Champions First Credit Union | Tallahassee, FL | 80.5% | $541 million |
| 57 | Blue Coast Federal Credit Union | Perry, FL | 80.5% | $189 million |
| 58 | Fairwinds Credit Union | Orlando, FL | 80.7% | $5.3 billion |
| 59 | Gold Coast Federal Credit Union | Palm Springs, FL | 81.0% | $270 million |
| 60 | Miami Postal Service Credit Union | Miami, FL | 81.5% | $184 million |
| 61 | Hello Credit Union | Panama City, FL | 82.0% | $160 million |
| 62 | Loyalty Credit Union | Pensacola, FL | 82.6% | $300 million |
| 63 | Pinellas Federal Credit Union | Largo, FL | 82.9% | $170 million |
| 64 | We Florida Financial Credit Union | Fort Lauderdale, FL | 83.4% | $700 million |
| 65 | Launch Credit Union | Merritt Island, FL | 85.1% | $1.4 billion |
| 66 | Okaloosa County Teachers Federal Credit Union | Crestview, FL | 86.9% | $135 million |
| 67 | Coastline Federal Credit Union | Jacksonville, FL | 87.3% | $136 million |
| 68 | University Credit Union | Miami, FL | 90.1% | $229 million |
| 69 | Insight Credit Union | Winter Springs, FL | 90.9% | $629 million |
| 70 | Floridacentral Credit Union | Tampa, FL | 95.6% | $622 million |
| 71 | Broward Healthcare Federal Credit Union | Fort Lauderdale, FL | 173.9% | $134 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings