State credit union · JACKSONVILLE, Florida · NCUA charter #67290
Community First Credit Union of Flo
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $3.04B
- Total assets
- 188,741
- Members
- 12.5%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)88
- Earnings (ROA)73
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.48% | 30% |
| Delinquency Rate | 0.80% | 25% |
| Return on Assets | 0.23% | 15% |
| Member Growth | 5.78% | 15% |
| Loan-to-Share Ratio | 84.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Community First Credit Union of Flo
188,741 members and $3.04B in total assets sit behind Community First Credit Union of Flo, a state credit union in JACKSONVILLE, Florida, which posts a health score of 93/100 (Excellent) on the five-factor composite, with $2.23B in outstanding loans as of Q4 2025 and a net worth ratio of 12.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67290 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.80% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 84.36% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.23% on net income of $6.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.78%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Community First Credit Union of Flo financially healthy?
A 12.48% 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. 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 12.48% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.