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
Call Report peers
Community First Credit Union of Flo in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Community First Credit Union of Flo sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Florida, GUARDIANS (#26) ties at 93/100; one place down, Calhoun Liberty (#28) ties at 93/100.
How Community First Credit Union of Flo's 5300 filing moved
Community First Credit Union of Flo: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.4% from $3.04B (2025Q4) to $3.17B (2026Q1).
- Net-worth ratio shifted -0.35 pp (12.48% → 12.13%).
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
Community First Credit Union of Flo gives up 7 points in total. Return on Assets costs the most, 4.1 of its 15; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Community First Credit Union of Flo financially healthy?
Community First Credit Union of Flo has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #633 of 4,374 nationally on health and #27 of 109 in Florida. Its net worth ratio is 12.13% and its delinquency rate 0.80%.
How does Community First Credit Union of Flo compare to other credit unions?
Community First Credit Union of Flo scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.13% vs 11.18%). Its widest shortfall is return on assets (0.23% vs 0.51%).
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?
Community First Credit Union of Flo 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. Community First Credit Union of Flo's net worth ratio of 12.13% 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.