Unverified listing What this means
The Lender Report built this page from public records. GTE Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about GTE Credit Union itself. Each figure shows its source and date. Work at GTE Credit Union? You can claim this page for free.
Credit union, Tampa, FL
GTE Credit Union
A credit union based in Tampa, FL. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $205M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 23
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 36
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $3.12B
- NCUA 5300,
Does it fit my deal?
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How to reach them
Each line shows where it came from
- Phone
- 813-871-2690 From the NCUA record, June 30, 2026.
- Website
- www.gtefinancial.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- gtefinancial.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- GTE; GTE Financial; GTE FEDERAL CREDIT UNION; GTE FCU d/b/a GTE FinancialNCUA 5300,
- Address
- 711 E Henderson Ave, Tampa, FL 33602NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - primarily communications and utilities. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 16.5% to $86.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 87.0% to $18.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2026 | Florida | SBA 7(a), Home Health Care Services | $1.4M | 8.5% | 25 yr | SBA FOIA | |
| Apr 2026 | Florida | SBA 504, Offices of Mental Health Practitioners (except Physicians) | $320K | 25 yr | SBA FOIA | ||
| Feb 2026 | Florida | SBA 504, Child Care Services | $350K | 25 yr | SBA FOIA | ||
| Jan 2026 | Florida | SBA 504, Assisted Living Facilities for the Elderly | $2.2M | 25 yr | SBA FOIA | ||
| Dec 2025 | Florida | SBA 504, Child Care Services | $320K | 25 yr | SBA FOIA | ||
| Nov 2025 | Florida | SBA 504, Professional, Scientific, and Technical Services | $280K | 25 yr | SBA FOIA | ||
| Nov 2025 | Florida | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $80K | 10% | 10 yr | SBA FOIA | |
| Nov 2025 | Florida | SBA 7(a), All Other Specialty Trade Contractors | $80K | 10.5% | 10 yr | SBA FOIA | |
| Sep 2025 | Florida | SBA 7(a), Barber Shops | $75K | 10.5% | 10 yr | SBA FOIA | |
| Aug 2025 | Florida | SBA 504, Offices of Dentists | $510K | 25 yr | SBA FOIA | ||
| Jul 2025 | Florida | SBA 504, Automotive Body, Paint, and Interior Repair and Maintenance | $330K | 25 yr | SBA FOIA | ||
| Jul 2025 | Florida | SBA 504, Tax Preparation Services | $280K | 25 yr | SBA FOIA | ||
| Jun 2025 | Florida | SBA 504, Home Health Care Services | $530K | 25 yr | SBA FOIA | ||
| May 2025 | Florida | SBA 7(a), Other Personal Care Services | $600K | 8.5% | 25 yr | SBA FOIA | |
| May 2025 | Florida | SBA 7(a), Other Personal Care Services | $270K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2025 | Florida | SBA 7(a), Custom Computer Programming Services | $70K | 10.5% | 10 yr | SBA FOIA | |
| Mar 2025 | Florida | SBA 504, Offices of Optometrists | $420K | 25 yr | SBA FOIA | ||
| Feb 2025 | Florida | SBA 504, Professional, Scientific, and Technical Services | $240K | 25 yr | SBA FOIA | ||
| Feb 2025 | Florida | SBA 504, Baked Goods Retailers | $200K | 25 yr | SBA FOIA | ||
| Dec 2024 | Florida | SBA 504, Beer, Wine, and Liquor Retailers | $840K | 25 yr | SBA FOIA | ||
| Dec 2024 | Florida | SBA 7(a), Other Miscellaneous Nondurable Goods Merchant Wholesalers | $440K | 9% | 10 yr | SBA FOIA | |
| Nov 2024 | Florida | SBA 504, Nursery, Garden Center, and Farm Supply Retailers | $620K | 25 yr | SBA FOIA | ||
| Nov 2024 | Florida | SBA 504, Other Services to Buildings and Dwellings | $460K | 25 yr | SBA FOIA | ||
| Oct 2024 | Florida | SBA 504, Roofing Contractors | $1.2M | 25 yr | SBA FOIA | ||
| Oct 2024 | Florida | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $100K | 11% | 10 yr | SBA FOIA | |
| 26 SBA 504 first liens since October 2023, net of cancelled | $16.2M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $3.18M | 0.1% | -17.1% | 8 | $397K |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $86.3M | 3.2% | +16.5% | 167 | $517K |
| Non-owner-occupied CRE | $96.6M | 3.6% | -0.8% | 132 | $732K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $18.5M | 0.7% | +87.0% | 238 | $77.8K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $205M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $190M |
| Q4 2023 | $190M |
| Q1 2024 | $188M |
| Q2 2024 | $181M |
| Q3 2024 | $184M |
| Q4 2024 | $191M |
| Q1 2025 | $191M |
| Q2 2025 | $186M |
| Q3 2025 | $190M |
| Q4 2025 | $201M |
| Q1 2026 | $207M |
| Q2 2026 | $205M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 25 | $3.85M | $135K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 10 | $4.06M | $185K | $1.4M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 3 | $1.50M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 26 | $16.2M | $442K | $2.2M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 23 | $17.6M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 17 | $10.7M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 6 | $6.91M | NCUA 5300, | ||
| C&I | First half of 2026 | 69 | $6.63M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: d/b/a or division name, name and state.
| Book | Average loan |
|---|---|
| Multifamily | $397K |
| Owner-occupied CRE | $517K |
| Non-owner-occupied CRE | $732K |
| Commercial and industrial | $77.8K |
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2022-10-04.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Florida HQ | 25 | 0 | 25 | 10 | 26 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $382M | $291M to $495M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $211M | $0 to $409M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 55.2% | 0.0% to 82.5% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $50.7M | $37.5M to $74.3M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 29.5% | 21.9% to 63.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 86.9% | 55.9% to 83.1% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 18 days, median of 10
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Achieva Credit Union | FL | $3.25B | $193M |
| Addition Financial Credit Union | FL | $3.81B | $280M |
| Community First Credit Union of Flo | FL | $3.21B | $240M |
| Ithink Financial Credit Union | FL | $2.38B | $199M |
| Grow Financial Credit Union | FL | $3.92B | $203M |
| Florida Credit Union | FL | $2.81B | $288M |
| Campus USA Credit Union | FL | $4.04B | $449M |
| Penair Credit Union | FL | $2.82B | $208M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. GTE Credit Union, NCUA charter 196. Compare it with the regulator's record. [NCUA profile]
- Balances. $3.12B in total assets and $205M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 23 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 61 loans in HMDA and SBA files, through September 30, 2026: 25 HMDA 1-4 unit investor 2025, 10 SBA 7(a) in 36 months, 26 SBA 504 first liens in 36 months. [How each file was tied to GTE Credit Union]
- Phone and website. Phone 813-871-2690, from the NCUA record. Website gtefinancial.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 196
- RSSD
- 84073
- LEI
- 549300ZIQ24V0C88AC41
- The Lender Report ID
- lr_000588
- Main office county
- Hillsborough
- Members
- 232,676
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $3.1B in total assets as of June 30, 2026 (NCUA 5300).
- Held $204.6M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $96.6M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $86.3M of owner-occupied commercial real estate loans as of June 30, 2026, up 16.5% from a year earlier (NCUA 5300).
- Held $18.5M of commercial and industrial loans as of June 30, 2026, up 87.0% from a year earlier (NCUA 5300).
- Originated 25 1-4 unit investor or business-purpose loans totaling $3.9M in 2025 (HMDA).
5 more sentences
- Recorded 11 SBA 7(a) approvals totaling $4.2M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 32 SBA 504 projects with $18.7M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 6 were later cancelled (SBA).
- Originated 23 real-estate-secured commercial loans totaling $17.6M in the first half of 2026 (NCUA 5300).
- Listed 25 offices in 1 state (NCUA).
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, GTE Credit Union, https://lender.report/lender/gte-credit-union-fl/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
- CDFI Fund certified list, October 21, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at GTE Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem