# FLORIDACENTRAL
Tampa, FL · NCUA charter 67668 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/floridacentral-67668

Who the members are: state charter, organized 1954, low-income designated. 43,878 members of 5,552,689 potential (0.8% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 194.

**Verdict on the desk:** this could be *participation buyer*. 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 | $622.0M |
| Members | 43,878 (2.6% YoY) |
| Full-time staff | 130 |
| Net worth | $48.7M |
| Net worth ratio | 7.8% (p6 of band) |
| ROA (annualized) | 0.39% (p27 of band) |
| Total delinquency | 0.54% (p44 of band) |
| Net charge-offs (annualized) | 0.57% (p65 of band) |
| Loans / shares | 69% (p21 of band) |
| Cash / assets | 10.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.21% (p32 of band) |
| Operating expense / assets | 3.63% (p54 of band) |
| Vehicles % of loans | 45% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 39% |
| Third-party paper % of net worth | 182% (p70 of band) |
| Vehicle delinquency | 0.55% (p47 of band) |
| Vehicle NCO | 1.04% (p58 of band) |
| Repossessed % of vehicle book | 0.12% (p70 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 44% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 25% |
| Average share balance | $4,974 |
| Participations bought / yr | $4.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $65.8M |
| Loans outstanding per 100 members | 194% |
| Loans granted per 100 members, annualized | 105% |
| Average loan balance | $4,785 |
| Loans granted, annualized | $122.3M |

## Participation posture (from the same filings)

Bought $4.5M and sold $0 in the latest annualized quarter; $65.8M outstanding purchased (135.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -0.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | losing money, charge-offs p90, repo signal, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  | repo signal |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 | thin capital | losing money |
| 2017-06 | 3 |  | charge-offs p90, net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | thin capital |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | thin capital |  |
| 2018-12 | 4 | net worth falling |  |
| 2019-03 | 5 | losing money |  |
| 2019-06 | 4 |  | net worth falling |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 6 | net worth falling, members leaving |  |
| 2020-09 | 5 |  | members leaving |
| 2020-12 | 4 |  | auto monoline |
| 2021-03 | 5 | capital below 7% | losing money |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 6 | losing money, members leaving |  |
| 2021-12 | 6 | net worth falling | 3rd-party paper>100% NW |
| 2022-03 | 6 | 3rd-party paper>100% NW | losing money |
| 2022-06 | 6 | delinquency rising | net worth falling |
| 2022-09 | 3 |  | capital below 7%, members leaving |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 | members leaving | delinquency rising |
| 2023-12 | 4 | delinquency rising | assets shrinking |
| 2024-03 | 4 | net worth falling | delinquency rising |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | members leaving |
| 2026-03 | 2 |  |  |

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

- 2026-03-18 [Floridacentral Credit Union secures naming rights to "The View" premier event space at The BayCare Sound - CUInsight](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQazh1dmI1OHl3Nm9XaHljRUJhRl92M0VZZ2dndlFjWjhHVXY4YXpNOE4zblpSMTM5QV95TWNKQVN2TV82bG1CdUZSUXIzUDh0bGV0YTBOU20xMUpCbnVvSXRmZElxd1lNdzI2aGxtbHdvRHl4anBQQ2hzYjRjNGFXN3lrVVp3U3Q1STlGaWxvSm1UazB0YWR1ODZrNnY1cjJqQlhacFlpVGU1d0o4bXBNYXZ1RzljRE0zMFBHOUo0dzNNaG93WE5ySkpKU1Y5Q05OTEdGeTBKS19LbWs?oc=5) · CUInsight
- 2025-01-16 [Floridacentral Credit Union welcomes their new Chief Financial Officer - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxORmx1RGR1dVlMOWU3d2ppVTdjOHlTNzk2aXVYVHRXRGpDdF81OGJPMHRvemVTQXdLeGRPdmd3UmgzbTNzY0JWc096Y3NBeXNGX29DeENJSnpYU1U0STVwcExlakpxenlpejUwVU1yRGNUejh2R0RwT2U0R2M0bmo1c2xKQ2phRUxSc2ljeHFrMTRKWnpnOEtkYXhkN3AyMzdWc3c2NDJjR2k3bjd3ZkxlMQ?oc=5) · CUInsight
- 2025-03-19 [FloridaCentral Credit Union data breach class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNVkY5cGtKUHRPS0t3b0pEZ3V2aTdIenF5T1dUNTVReGM2Z3ZINDQ2ZG9NajJQREdYWlM4cXpOYWtKN3FjUjVYZ3d6M2FxWGJCWXpQN2ZEazl4dVZMZlljckxwcjM2MjExTHBqUE9Ba3FuQXJyTkpJNC13WUN3MUkxWnRqSm45VmVjZzRsV29PNUFRb3BEazBTY3VFZWNwbm9DNk5mYnRWM1NzNVdUb0o3dzF0a1lPbDJZSzZnSlpVMkVteXRENWp0UTVFZWRsTVJ0S09N?oc=5) · Top Class Actions
- 2025-02-24 [FloridaCentral Credit Union agrees to settle data breach class action for $1 million - Claim Depot](https://news.google.com/rss/articles/CBMiggFBVV95cUxQNnB0b09fdVZrS2JEYWJ6U0VXd1Y3LWxmT19palRmMjJqVUxaOENrSThiczRnQkswZTkxd2RLVDVVN1FZeS1VZXoxaTVRODBvR1FMUWNqRDI5c2FPQzVDbVlnNjZUTUQ0MjlaU2cxUVVibUZWNGVSTHpDdS10Rkg4LUlR?oc=5) · Claim Depot
- 2026-04-12 [Boots and Bats featuring LOCASH - St Pete Catalyst](https://news.google.com/rss/articles/CBMidEFVX3lxTE9BTXhmejhlY2syTTZ5VEphQ2tKQlZhdnN2UG1aZTAtU3c5NFdGci1qa0JMVWx0WGdpamtwT091LWpZSDBRdkU0dFhaX1F0T01SazRrNDI5RlU0V3JGN0dsTmdXV1NfSmEyNTVoSy1XRFNTTGlk?oc=5) · St Pete Catalyst
- 2024-12-03 [Floridacentral Credit Union welcomes their new SVP of IT/Chief Information Officer - CUInsight](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPSXhsQWg4NnVGZ0JDemxlSExzRy02YVZoemUxZEFVdDFrNVNQMEZ2c2ZPUTVvZVM2TkpsQmhROWROaDZfQjFjcE9lUHNOemJvSC1WUlViNFRFRzZJTDhXX0lXWVl5X3FaRWJVMzJSMTU2eURnMlpSc3RyZWtfOGhCVEpSUFZKV2pKenNwVjZkakg0UVBNS3JPMW1nUFllM3VKcGFMeEVZZ0tURGJ4N0E0YXNIdVlmRGNOVEgxMzZuLUk?oc=5) · CUInsight
- 2016-04-14 [Suspect Arrested After Robbery at Floridacentral Credit Union in Seminole - iontb.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQQl9xUUpla3NDdC1wMXZYdFlieXNJSFlrb1daXzZKUHJDVUNoQXlGSnNGaE4zdzJBSzIxb2xyOEUtQXVpdHN1TVhNbjg1SWdROUU4Mk5oeF9uTmhzZkVIZWhoeWczSExMcXd0TGJTdlBXWWZVdVJ3NEFGQ3N3ZFVhMDY2TV9kMkE?oc=5) · iontb.com
- 2017-08-02 [Apologetic bank robber sentenced to 15 years in prison - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMizwFBVV95cUxOSzdRaXFUWUd5aEFPMlZ3elM1OXpneVpoeldtMnhTN3BMX2lJZkk1NFo5WUNRYjVlZXJjTEpnZ0VDbElSWVJ6Vlk3OTlRVDQwcWRJQl9VaWlUS2ZOX2JOYUpLNV8tNExsWVotTFBmcTc5aDBDU0ZVRGprWEVkQ1pEdVVxWUZIR2VLaFA0ZllVbUdLR3h1NFpaRndBNmRzbVdCRkhWTXJuc2dXV3NiNzBrd2FIU2RYQ3R6VFBraUdTa0RwemtnaU90bHo1V09TdGs?oc=5) · Sarasota Herald-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67668 (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/20.json (key "67668", 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=67668
- 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