FICARE Credit Union Profile

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FICARE

Charter #13902 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (813) 600-5920

Fax:

Founding Date: N/A

Website: http://www.ficarefcu.org

Personnel & Operations

President: Garthwaite, Thomas

Manager: Miller, Denelle

FT Employees: 26

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 21

Branches: 5

Hours: 8:30-5

Credit Union Profile Summary

FICARE is a FCU Credit Union. With a total of 8,368 members [1], this institution manages approximately $81,408,248 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.48% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -7.95% [1].

Financial Snapshot

Total Assets [1]
$81,408,248

Total economic resources.

Total Loans [1]
$51,212,552

Total value of outstanding loans.

Total Deposits [1]
$69,627,773

Total funds deposited by members.

Members [1]
8,368

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.48%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.22%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
73.55%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.16%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -7.95%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -4.26%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

26644 Silver Maple Pkwy

Wesley Chapel, FL, 33544
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 4 branches reported by FICARE (Charter #13902).

Main Office

Admin Main Office

Type: Corporate Office

14055 Riveredge Dr

Suite 300

Tampa, FL 33637

Phone: (813) 870-4362

Services: None specified

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Additional Branches

Clearwater

Morton Plant

Type: Branch Office

300 Jeffords St

Clearwater, FL 33756

Phone: (813) 870-4360

Services: Member Services

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Lutz

North

Type: Branch Office

4211 Van Dyke Rd

Suit 103A

Lutz, FL 33558

Phone: (813) 443-7681

Services: Member Services, ATM

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Tampa

Main

Type: Branch Office

3001 W Dr Martin Luther King Jr Blvd

Tampa, FL 33607

Phone: (813) 870-4362

Services: Member Services

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