# PUBLIX EMPLOYEES
LAKELAND, FL · NCUA charter 23020 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/publix-employees-23020

Who the members are: federal charter, multiple common bond, organized 1978, low-income designated. 124,804 members of 225,000 potential (55.5% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.78B |
| Members | 124,804 (5.5% YoY) |
| Full-time staff | 257 |
| Net worth | $199.0M |
| Net worth ratio | 11.2% (p60 of band) |
| ROA (annualized) | 0.90% (p66 of band) |
| Total delinquency | 0.39% (p26 of band) |
| Net charge-offs (annualized) | 0.65% (p64 of band) |
| Loans / shares | 64% (p11 of band) |
| Cash / assets | 11.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.30% (p48 of band) |
| Operating expense / assets | 3.22% (p50 of band) |
| Vehicles % of loans | 32% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 17% (p16 of band) |
| Vehicle delinquency | 0.55% (p47 of band) |
| Vehicle NCO | 0.76% (p36 of band) |
| Repossessed % of vehicle book | 0.05% (p41 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 20% |
| Average share balance | $6,146 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $103.6M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $14,408 |
| Loans granted, annualized | $414.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $103.6M outstanding purchased (52.1% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 12.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 | members leaving | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | members leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 0 |  | net worth falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | net worth falling, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-07-16 [How Publix Employees Federal Credit Union strengthened its disaster recovery strategy with Azure Local - microsoft.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQaW9abGlwdDZYYUZJRk9UNFgzamlLa2Eyb29HVWF1a2Q3dlNXVnNpd0lvYnpXc1BXXy03LVI4OEpSQ0t3ZWlxeVNERmFTZmNLRDllYXZDTnAza2w4NC1TbWVCOFBlbWlILTZQWmE3WTNhWHRneEJucHh4WTdjc25rWDF5b0g4T1NkT3lReXFrbmNJSGZLeUg4MG05NURMdWc2ZHZaXw?oc=5) · microsoft.com
- 2025-05-10 [Publix Employees Federal Credit Union to add a second Lakeland location - Lakeland Ledger](https://news.google.com/rss/articles/CBMizgFBVV95cUxOZG9sXzJJSUEwdHdXWkdzU2FpR3lwNTZaZmlnSUpfY3doR0l6WkUzMDI2N3BoT0VEYkN3Zk1nMWVtUkNQbDc1RmEyWmhZWUt4UW5Pa3BNZVVlRExjb1VhZ3U0dlAtbG5FclNzSmtCX0xKanpET3JYSFpKbW1ueWdJVnJOWGZJMmlTdklVVjlhZlJ4Z3M2UTlzUlN4U3Fvb1RGYnJFVmpiQlN4Y0hnWTNabnpic3FHcS1KQjBRY0VUQUU4MWV0ajhOUlpfTkhydw?oc=5) · Lakeland Ledger
- 2023-02-14 [Publix Employees FCU names Stephanie Straker Chief Financial Officer - CUInsight](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdVVuM3lYZnlkY2pLZFY0UU43RC1WN1VGOE84YTA2dkZudk5POFVrd3llc0MtNk5FckpSck54bTdOVnVPQklqSmJVeG5BUWx1NjZxS2lrV01WWUtuZVJlN1FfYmd5Zzczb1dfWGc1Z0M4X0JDcDc1Mi1NMm1MOHRyWDhnS2xwbHJOYW1PXzFiWExMc293aGt5c0tWLVNqMDJpVl9sVTRpVnlFWllNanc?oc=5) · CUInsight
- 2025-03-20 [Publix Employees Federal Credit Union opening three new Jacksonville branches - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMixAFBVV95cUxQcWxCTm13S1B0UlZuWV91YW1WT0FCRDZ1b0RaR3pmZWRMMkdyUWNlVGh2czNGY19pYUNHREg1YTRXNzhtczlyajFwVFVZbE9HcEhEVEZSSHFXZ3lUQmtCMTdsQ2c4ZEQ5VlN2S2c2NlNZSDdTcUltU29rNXdXc19YdDI0QmRhTkM5RU1ncTFjbTI2bC1SQm9VWTFscjliemtFQmRsRnVjVGtOTV9PMGZQcVNPa3J5dUxJYnJNenJaXzMtSDhw?oc=5) · Jacksonville Daily Record
- 2025-01-29 [Publix Employees Federal Credit Union CIO among winners of 2025 Florida ORBIE Awards - The Business Journals](https://news.google.com/rss/articles/CBMixAFBVV95cUxOTnE5NEUzWVM4MHBqTTFpdWtrdGRsMEVEZ2JQQno1LTJ3bllmZERIblE1SGVWSXFXaGJQeEcwamxpSV9jR294V21DemJQMEFqemFUYzN4TTBCYXI2QkNOR1EzOE1qdktydHRfaUgwcERrbUxVYTZXMF9pb3VwS2EzMmFPQ0ptbU8tN1lmeTJGWDV0RE1qZDJYcmxKQzdsUTVwZmUzQjVXQU1oSEdRdGQtWTJxRkNCSDU5OHFIVW9vOGQzT0lh?oc=5) · The Business Journals
- 2022-10-24 [Generation USA and Publix Employee Federal Credit Union Partner for Credit Union Member Services Specialist Program - newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNM1p6X1JTWkU3dEg0OEZ1ZVhUTm1jQkM5M0RObFRsTjJyOGxNN2pBc2hYNzM0Q0Y2M0QtRlJmb05vLUhjYkJrMDlzNXZLa0pIMThLYS1IaHpObHZXQjFUVGNJU3Z3THJZaHlCanlKRE1JSGo4SnVJLVNiZjFvTElvWFRxVk9PMnJnVXRjdGVDR1VoUFlhaXJ0THpWbjhuQWI3a3c1cEpzR3F2dw?oc=5) · newswire.com
- 2023-11-28 [Publix Employees Federal Credit Union Archives - Send2Press](https://news.google.com/rss/articles/CBMiggFBVV95cUxNVERoNnV2bk5DSVd4WWRKNzlHWWI1ZlhEdzF0ZE9XYWlPWXlINDNyaDVMNjVDcThfX2Q5UzlOT2ZpTEVGcHdrdlUzZlNtNjdDaGtXZ1NibXJOTzhWT19IcURUT1pWT0kyMDd2bFBsUDRBYTVtSUNRSkxRLTJfT3NnUnBR?oc=5) · Send2Press
- 2022-03-07 [Jeremiah Kossen appointed New CEO of Publix Employees Federal Credit Union - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxNZ180blRjQVdEbTBmLWtnV1ZUX2FGX04wdkFTRkVSQm5ENWttaEt1ZjI3NGZkNE5NUFFMVXcxb21DRzdOQThmWWhmV1FVcnljWURqRHZhLXRTSEVfSElYZXBMSmpNT01rN0ZzOHQyQ3l2SVV0THF0RDRLNVctOFE0WTM0Q0xrdlY2WUhTaUxCSmFMZ1NqME82YjNIZGlHQk5EYWE0MFV6NWhnWHI0bnY5SG5raGNqQQ?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23020 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/44.json (key "23020", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=23020
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide