State credit union · JACKSONVILLE, Florida · NCUA charter #67290
Community First Credit Union of Flo
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $3.04B
- Total assets
- 188,741
- Members
- 12.1%
- Net-worth ratio
Community First Credit Union of Flo scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.04B; members 188,741; net-worth ratio 12.13%; health rank #633 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#633 of 4,374 health · 2025Q4Community First · health 93/100 · $3.04B · 2025Q4
- MEM 93/100
- RANK 12.1%
- PHOTO 0.80%
- BOOK 0.23%
- CHARTER $3.04B
- NCUSIF 188,741
- CAMELS #633/4,374
- HEALTH Hapo Community
- NW 67290
Call Report peers
Community First Credit Union of Flo in the assets neighbourhood
Community First Credit Union of Flo's $3.04B assets sit next to Hapo Community ($3.04B) 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.
Community First Credit Union of Flo 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
93 Top 16% higher than 84% 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
Community First Credit Union of Flo - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67290, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Community First Credit Union of Flo vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +0.95 pp (12.13% vs 11.18%).
- Largest lag: Return on Assets at 0.23% vs peer 0.51% (-0.28 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Florida standing for Community First Credit Union of Flo
- Health composite ranks #27 of 109 among scored Florida credit unions.
- Assets rank #11 of 109 inside Florida ($3.04B reported).
- Florida membership ordinal: #10 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 Community First Credit Union of Flo's 5300 filing moved
Community First Credit Union of Flo: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $3.04B (2025Q4) to $3.17B (2026Q1).
- Net-worth ratio shifted -0.35 pp (12.48% → 12.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 10.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Community First Credit Union of Flo
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.13% | +0.95 pp |
| Delinquency Rate | 0.80% | -0.07 pp |
| Return on Assets | 0.23% | -0.28 pp |
| Member Growth | 5.78% | - |
| Loan-to-Share Ratio | 84.36% | +0.46 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.17B | - |
| 2025Q4 | $3.04B | 188,741 |
| 2024Q4 | $2.75B | 178,430 |
| 2023Q4 | $2.72B | 172,758 |
Credit Union Details
- Charter Number
- 67290
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- JACKSONVILLE
- Data Quarter
- 2025Q4
Branch Locations (26)
Per its most recent NCUA branch filing, Community First Credit Union of Flo runs 26 offices in 9 different cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Jacksonville, FL |
| Callahan | Callahan, FL |
| Fleming Island | Fleming Island, FL |
| Arlington | Jacksonville, FL |
| Downtown | Jacksonville, FL |
| Lem Turner | Jacksonville, FL |
| Northside | Jacksonville, FL |
| UNF | Jacksonville, FL |
| Hodges | Jacksonville, FL |
| Lakewood | Jacksonville, FL |
| Westside | Jacksonville, FL |
| Mandarin | Jacksonville, FL |
| Bartram | Jacksonville, FL |
| Riverside Branch | Jacksonville, FL |
| Oakleaf | Jacksonville, FL |
| Headquarters 2 | Jacksonville, FL |
| Boulevard Crossings | Jacksonville, FL |
| Northpoint | Jacksonville, FL |
| Gate Parkway | Jacksonville, FL |
| Beaches | Jacksonville Beach, FL |
| Neptune Beach | Neptune Beach, FL |
| Orange Park | Orange Park, FL |
| St. John's | Saint Augustine, FL |
| Murabella | Saint Augustine, FL |
| Beachwalk | St Johns, FL |
| Yulee | Yulee, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Community First Credit Union of Flo, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.04B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Community First Credit Union of Flo ranks #633 of 4,374 nationally on financial health and #27 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EGLIN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EGLIN
- 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 Community First Credit Union of Flo financially healthy?
A 12.13% net worth ratio and a 0.80% delinquency rate feed into Community First Credit Union of Flo's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #633 of 4,374; by total assets it ranks #165 of 4,374 nationally (same basis as /rankings/largest); and #11 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Community First Credit Union of Flo compare to other credit unions?
Community First Credit Union of Flo scores 93/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Community First Credit Union of Flo?
Membership eligibility for Community First Credit Union of Flo depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community First Credit Union of Flo directly for current membership requirements and application steps.
Is my money safe at Community First Credit Union of Flo?
Federal credit unions like Community First Credit Union of Flo 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. Community First Credit Union of Flo's net worth ratio of 12.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community First Credit Union of Flo offer compared to banks?
Credit unions like Community First Credit Union of Flo 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 Community First Credit Union of Flo 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.