State credit union · Tallahassee, Florida · NCUA charter #67874
Champions First
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $519.4M
- Total assets
- 32,740
- Members
- 10.5%
- Net-worth ratio
Champions First scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $519.4M; members 32,740; net-worth ratio 10.52%; health rank #824 of 4,374; healthier than 80th of scored peers.
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#824 of 4,374 health · 2025Q4Champions First · health 92/100 · $519.4M · 2025Q4
Call Report peers
Champions First in the assets neighbourhood
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Champions First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Champions First sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Champions First: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 89.31% here, 83.90% peer average (+5.41 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.66 pp (10.52% vs 11.18%).
Champions First: in-state Call Report ranks
- In Florida, health place is #36 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #36 of 109 inside Florida ($519.4M reported).
- Member book place in Florida: #39 of 109.
- One place up in Florida, Space Coast (#35) ties at 92/100; one place down, Pompano Beach City Emp. (#37) scores 91/100, 1 point lower.
How Champions First's 5300 filing moved
Champions First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $519.4M (2025Q4) to $535.8M (2026Q1).
- Net-worth ratio shifted -0.33 pp (10.85% → 10.52%).
This credit union's 10.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Champions First gives up 8 points in total. Member Growth costs the most, 5.1 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 15.0 pts
Champions First vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.52% | -0.66 pp |
| Delinquency Rate | 0.79% | -0.08 pp |
| Return on Assets | 0.58% | +0.08 pp |
| Member Growth | 0.79% | - |
| Loan-to-Share Ratio | 89.31% | +5.41 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Champions First quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $535.8M | - |
| 2025Q4 | $519.4M | 32,740 |
| 2024Q4 | $496.9M | 32,484 |
| 2023Q4 | $466.9M | 34,056 |
Credit Union Details
- Charter Number
- 67874
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Tallahassee
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, Champions First runs 9 offices in 6 different cities.
| Office | City |
|---|---|
| North Monroe (Main Office) | Tallahassee, FL |
| Nine Mile | Cantonment, FL |
| Crawfordville | Crawfordville, FL |
| Lake City | Lake City, FL |
| Panama City | Panama City, FL |
| Perry | Perry, FL |
| North Thomasville Road Branch | Tallahassee, FL |
| Capital Circle Northeast Branch | Tallahassee, FL |
| Campus | Tallahassee, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Champions First ranks #824 of 4,374 nationally on financial health and #36 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FLORIDACENTRAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FLORIDACENTRAL
Frequently Asked Questions
Is Champions First financially healthy?
Champions First has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #824 of 4,374 nationally on health and #36 of 109 in Florida. Its net worth ratio is 10.52% and its delinquency rate 0.79%.
How does Champions First compare to other credit unions?
Champions First scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.31% vs 83.90%). Its widest shortfall is net worth ratio (10.52% vs 11.18%).
How can I join Champions First?
Membership eligibility for Champions First depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Champions First directly for current membership requirements and application steps.
Is my money safe at Champions First?
Champions First is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Champions First's net worth ratio of 10.52% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.