USF FEDERAL CREDIT UNION
Charter #24223 · Tampa, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.25% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.33% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.01% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 52nd — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | USF FEDERAL CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.37B | 24th pct | 52th pct |
| Members | 79,919 | 27th pct | 41th pct |
| Net worth ratio | 10.78% | 51th pct | 66th pct |
| Return on average assets | 0.25% | 12th pct | 10th pct |
| Net interest margin | 3.66% | 71th pct | 49th pct |
| Cost of funds | 2.33% | 80th pct | 79th pct |
| Loan-to-share | 99.83% | 89th pct | 84th pct |
| Delinquency 60+ days | 0.80% | 66th pct | 72th pct |
| Net charge-off ratio | 1.01% | 84th pct | 77th pct |
| Loan growth YoY | 4.66% | 79th pct | 73th pct |
| Share growth YoY | 7.97% | 86th pct | 73th pct |
| Efficiency ratio | 75.18% | 58th pct | 54th pct |
structural peer set hash: 6f8ada5cdd27fbf1aeea133d86c1f4af… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.