State credit union · Tallahassee, Florida · NCUA charter #68301

First Commerce

Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

97
Health / 100
$1.19B
Total assets
72,472
Members
10.1%
Net-worth ratio

First Commerce scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.19B; members 72,472; net-worth ratio 10.06%; health rank #206 of 4,374; healthier than 95th of scored peers.

Federal Call Report extract

NCUA 5300 Call Report Masthead

#206 of 4,374 health · 2025Q4

First Commerce · health 97/100 · $1.19B · 2025Q4

Call Report peers

First Commerce in the assets neighbourhood

Rave Financial$1.19BFirst Commerce (this)$1.19BSUNMARK$1.19BCredit Union of Denver$1.19BDIAMOND$1.18BREV$1.18B
Nearest other-state credit unions by total assets (NCUA 5300)

Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.

First Commerce vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); First Commerce sits in 95-99 with 391 others.

97 Top 5% higher than 95% 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

First Commerce: Call Report deltas vs peers

  • Loan-to-Share Ratio leads the peer set - 90.56% here, 83.90% peer average (+6.66 pp).
  • Largest lag: Net Worth Ratio at 10.06% vs peer 11.18% (-1.12 pp).

First Commerce: in-state Call Report ranks

  • Florida health ordinal: #13 of 109.
  • Florida assets place: #25 of 109.
  • Membership ranks #24 of 109 among Florida CUs with a reported count (72,472 members).
  • One place up in Florida, PENAIR (#12) ties at 97/100; one place down, PANHANDLE (#14) scores 96/100, 1 point lower.

First Commerce: 2025Q4 → 2026Q1

First Commerce: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

1,050,000,0001,100,000,0001,150,000,0001,200,000,0001,250,000,000 2023Q42024Q42025Q42026Q1 1,069,625,272 1,221,644,598 ▲ +14.2%
  • Assets moved +2.4% from $1.19B (2025Q4) to $1.22B (2026Q1).
  • Net-worth ratio shifted -0.10 pp (10.16% → 10.06%).
Net worth ratio vs. NCUA well-capitalized threshold 67.1%

This credit union's 10.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

How the 97/100 score is built

First Commerce gives up 3 points in total. Return on Assets costs the most, 1.1 of its 15; Net Worth Ratio scores full marks.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 24.3 pts
  • Return on Assets 13.9 pts
  • Member Growth 14.0 pts
  • Loan-to-Share Ratio 14.8 pts

First Commerce vs peer ratios

Metric Value vs peer
Net Worth Ratio 10.06% -1.12 pp
Delinquency Rate 0.57% -0.30 pp
Return on Assets 0.43% -0.08 pp
Member Growth 4.17% -
Loan-to-Share Ratio 90.56% +6.66 pp

Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.

First Commerce quarterly book

Quarter Assets Members
2026Q1 $1.22B -
2025Q4 $1.19B 72,472
2024Q4 $1.10B 69,573
2023Q4 $1.07B 64,572

Credit Union Details

Charter Number
68301
Type
State
Field of Membership
Other
Peer Group
Over $500M
State
Florida
City
Tallahassee
Data Quarter
2025Q4

Branch Locations (14)

The NCUA branch filing lists 14 physical offices for First Commerce, spread across 7 cities in 2 states.

Office City
Ronald W. Fye Administrative Facility (Main Office) Tallahassee, FL
Adel GA, Financial Center Adel, GA
Marianna Financial Center Marianna, FL
Nashville GA, Financial Center Nashville, GA
Stanford Centre Panama City Financial Center Panama City, FL
Mahan Financial Center Tallahassee, FL
Bradfordville Financial Center Tallahassee, FL
Blairstone Financial Center Tallahassee, FL
Westside Financial Center Tallahassee, FL
Thomasville Road Financial Center Tallahassee, FL
Thomasville, GA Financial Center Thomasville, GA
Valdosta Mall Financial Center Valdosta, GA
Valdosta Inner Perimter Valdosta, GA
Valdosta (Bemiss) GA, Financial Center Valdosta, GA

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.

Compare First Commerce vs GULF WINDS

First Commerce nationwide neighbourhoods

Using this data

  • First Commerce ranks #206 of 4,374 nationally on financial health and #13 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • Gulf Winds is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gulf Winds

Frequently Asked Questions

Is First Commerce financially healthy?

First Commerce has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #206 of 4,374 nationally on health and #13 of 109 in Florida. Its net worth ratio is 10.06% and its delinquency rate 0.57%.

How does First Commerce compare to other credit unions?

First Commerce scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.56% vs 83.90%). Its widest shortfall is net worth ratio (10.06% vs 11.18%).

How can I join First Commerce?

Membership eligibility for First Commerce depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Commerce directly for current membership requirements and application steps.

Is my money safe at First Commerce?

First Commerce 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. First Commerce's net worth ratio of 10.06% exceeds the 7% threshold NCUA considers "well capitalized."

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for First Commerce. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.