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 · 2025Q4First Commerce · health 97/100 · $1.19B · 2025Q4
- CHARTER 97/100
- NCUSIF 10.1%
- CAMELS 0.57%
- HEALTH 0.43%
- NW $1.19B
- DELQ 72,472
- ROA #206/4,374
- ASSETS Rave Financial
- MEM 68301
Call Report peers
First Commerce in the assets neighbourhood
First Commerce's $1.19B assets sit next to Rave Financial ($1.19B) 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.
First Commerce 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68301 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Commerce: 2025Q4 → 2026Q1
First Commerce: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $1.19B (2025Q4) to $1.22B (2026Q1).
- Net-worth ratio shifted -0.10 pp (10.16% → 10.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- 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 |
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).
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.
First Commerce nationwide neighbourhoods
Cross-state asset and health neighbours for First Commerce - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.19B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
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
- 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 First Commerce financially healthy?
First Commerce scores 97/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #206 of 4,374; by total assets it ranks #403 of 4,374 nationally (same basis as /rankings/largest); and #25 of 109 within Florida. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.06% net worth ratio and a 0.57% delinquency rate.
How does First Commerce compare to other credit unions?
First Commerce scores 97/100 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 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?
Federal credit unions like First Commerce 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. First Commerce's net worth ratio of 10.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Commerce offer compared to banks?
Credit unions like First Commerce 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 First Commerce 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.