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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#824 of 4,374 health · 2025Q4Champions First · health 92/100 · $519.4M · 2025Q4
- ROA 92/100
- ASSETS 10.5%
- MEM 0.79%
- RANK 0.58%
- PHOTO $519.4M
- BOOK 32,740
- CHARTER #824/4,374
- NCUSIF OTERO
- CAMELS 67874
Call Report peers
Champions First in the assets neighbourhood
Champions First's $519.4M assets sit next to OTERO ($519.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Champions First vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Champions First - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67874, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Champions First's 5300 filing moved
Champions First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $519.4M (2025Q4) to $535.8M (2026Q1).
- Net-worth ratio shifted -0.33 pp (10.85% → 10.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Champions First's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($519.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Champions First financially healthy?
A 10.52% net worth ratio and a 0.79% delinquency rate feed into Champions First's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #824 of 4,374; by total assets it ranks #736 of 4,374 nationally (same basis as /rankings/largest); and #36 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Champions First compare to other credit unions?
On PlainCU's health composite, Champions First lands at 92/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Champions First are 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."
What rates does Champions First offer compared to banks?
Credit unions like Champions First are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Champions First directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.