15 Largest Credit Unions in Florida: Florida’s credit union scene is among the biggest and most active in the country. Several credit unions hold billions in assets and work with large member bases.
For a 2026 ranking today, a fair match comes from the NCUA’s Call Report for the first quarter of 2026. That filing uses figures that credit unions reported for March 31, 2026. The NCUA states that its Call Report database tracks core items like total assets, membership counts, loans and other important financial figures for federally insured credit unions.
Based on that Q1 2026 data, Suncoast Credit Union is Florida’s largest credit union by assets, followed by VyStar Credit Union, MIDFLORIDA Credit Union and Space Coast Credit Union.
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15 Largest Credit Unions in Florida in 2026
1. Suncoast Credit Union
- Assets: $20.54 billion
- Members: 1,389,633
2. VyStar Credit Union
- Assets: $13.80 billion
- Members: 1,058,604
3. MIDFLORIDA Credit Union
- Assets: $9.82 billion
- Members: 493,840
4. Space Coast Credit Union
- Assets: $9.29 billion
- Members: 707,051
5. FAIRWINDS Credit Union
- Assets: $5.29 billion
- Members: 252,617
6. Campus USA Credit Union
- Assets: $3.97 billion
- Members: 162,812
7. Grow Financial Federal Credit Union
- Assets: $3.94 billion
- Members: 297,778
8. Addition Financial Credit Union
- Assets: $3.81 billion
- Members: 257,388
9. Community First Credit Union of Florida
- Assets: $3.17 billion
- Members: 191,902
10. Achieva Credit Union
- Assets: $3.15 billion
- Members: 218,701
11. GTE Financial
- Assets: $3.13 billion
- Members: 233,973
12. Eglin Federal Credit Union
- Assets: $3.09 billion
- Members: 121,775
13. PenAir Credit Union
- Assets: $2.77 billion
- Members: 138,071
14. Florida Credit Union
- Assets: $2.74 billion
- Members: 180,764
15. iTHINK Financial
- Assets: $2.36 billion
- Members: 118,280
Source: NCUA 5300 Call Report data for the Q1 2026 cycle. Figures are reported total assets and membership as of March 31, 2026.
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1. Suncoast Credit Union
Suncoast Credit Union is comfortably the largest credit union headquartered in Florida. The Q1 2026 NCUA-based ranking puts its assets at approximately $20.54 billion, with nearly 1.39 million members.
The credit union has continued to grow during 2026. Its own website reported $20.92 billion in assets and 1,414,878 members as of July 31, 2026, meaning its balance sheet had grown further since the March quarter-end data used for the statewide ranking.
You also need to keep an eye on another change. Suncoast said it plans to merge with Launch Credit Union. If the deal goes through, the new group should top $21 billion in assets and reach about 1.4 million members. The merger is expected to take effect in late 2026.
2. VyStar Credit Union
VyStar is based in Jacksonville. It is the No. 2 credit union in Florida by size. Q1 2026 figures show about $13.80 billion in assets and just over 1 million members.
VyStar itself describes the institution as the second-largest credit union headquartered in Florida and reports assets of more than $14 billion in 2026. It operates across Florida and Georgia.
3. MIDFLORIDA Credit Union
MIDFLORIDA ranks third by the Q1 2026 asset figures, at approximately $9.82 billion, with about 493,840 members.
The Lakeland-based credit union has been growing rapidly. Its own February 2026 announcement said it had more than $8.82 billion in assets and over 489,000 members at that point.
4. Space Coast Credit Union
Space Coast Credit Union, headquartered in Melbourne, ranks fourth in the Q1 2026 ranking, with approximately $9.29 billion in assets and more than 707,000 members.
SCCU describes itself as Florida’s third-largest credit union on its own website, but that description reflects a different/current measurement point. Its 2026 materials say it has more than $9 billion in assets and more than 685,000 members.
5. FAIRWINDS Credit Union
Orlando-based FAIRWINDS Credit Union rounds out Florida’s top five, with approximately $5.29 billion in assets and more than 252,000 members in the Q1 2026 NCUA-based ranking.
6. Campus USA Credit Union
Campus USA Credit Union sits at No. 6. In the Q1 2026 reporting period, it lists about $3.97 billion in assets and roughly 162,800 members.
7. Grow Financial Federal Credit Union
Grow Financial takes the No. 7 spot. Its totals are about $3.94 billion in assets and near 298,000 members.
The Q1 2026 report puts total assets at $3,941,977,263. The net worth ratio is 10.88%. That keeps it in the NCUA category labeled “well capitalized.”
8. Addition Financial Credit Union
Addition Financial ranks No. 8. It has around $3.81 billion in assets and over 257,000 members.
9. Community First Credit Union of Florida
Community First Credit Union of Florida, in Jacksonville, ranks No. 9. The figures show about $3.17 billion in assets and 191,902 members as of March 31, 2026.
10. Achieva Credit Union
Achieva Credit Union is listed at No. 10. It reports about $3.15 billion in assets and close to 219,000 members in the Q1 2026 data.
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What Do the 2026 Figures Highlight?
The clear point is how wide the gap is between Florida’s two largest credit unions and the rest of the market.
Suncoast’s $20.54 billion in Q1 assets was roughly $6.7 billion higher than VyStar’s $13.80 billion. Meanwhile, the third- through fifth-largest institutions ranged from about $5.29 billion to $9.82 billion.
Florida’s credit unions are also seeing continued loan growth. In the NCUA’s Q1 2026 state-level data, Florida recorded 4.5% median year-over-year loan growth, ranking fourth among states and territories on that measure. Median asset growth was 2.8%, while median deposit growth was 2.5%.
Nationally, the credit union system also expanded during the period. The NCUA reported that federally insured credit union assets increased 4.9% year over year to $2.48 trillion in Q1 2026, while membership reached 145.8 million.
Are These The Largest Credit Unions In Florida By Assets Or Members?
The difference is important. The list above is sorted by total assets. It is not based on how many members a credit union has. A credit union can have a smaller crowd yet still hold more assets. That can happen if members keep bigger balances or borrow more through its lending options.
Take two cases. Space Coast Credit Union showed up as fourth on the assets list. It also had over 707,000 members. MIDFLORIDA was third by assets but was under 500,000 members, based on Q1 2026 figures.
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Will The Florida Credit Union Rankings Shift Later In 2026?
That is possible. Credit unions share financial updates each quarter. So the ranks may move when new NCUA Call Reports appear. Right now, the NCUA shows Q1 2026 as the newest quarter on its public quarterly summary page. Also, some deals may reshuffle the standings. Suncoast plans to merge with Launch Credit Union. After the merger finishes, the combined group is expected to top $21 billion in assets.
