State credit union · Jacksonville, Florida · NCUA charter #61170
First Florida
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $1.45B
- Total assets
- 63,006
- Members
- 12.9%
- Net-worth ratio
First Florida scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.45B; members 63,006; net-worth ratio 12.86%; health rank #1,446 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,446 of 4,374 health · 2025Q4First Florida · health 88/100 · $1.45B · 2025Q4
Call Report peers
First Florida in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Florida vs every NCUA-scored credit union
First Florida sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Where First Florida diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +9.98 pp (93.88% vs 83.90%).
- Largest lag: Return on Assets at 0.33% vs peer 0.51% (-0.18 pp).
First Florida: in-state Call Report ranks
- Florida health ordinal: #49 of 109.
- Assets rank #21 of 109 inside Florida ($1.45B reported).
- Florida membership ordinal: #26 of 109.
- One place up in Florida, 1st Street (#48) ties at 88/100; one place down, SUN (#50) ties at 88/100.
How First Florida's 5300 filing moved
First Florida: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $1.45B (2025Q4) to $1.46B (2026Q1).
- Net-worth ratio shifted +0.06 pp (12.80% → 12.86%).
12.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
First Florida gives up 12 points in total. Member Growth costs the most, 5 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 12.5 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 13.7 pts
First Florida health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.86% | +1.68 pp |
| Delinquency Rate | 0.82% | -0.06 pp |
| Return on Assets | 0.33% | -0.18 pp |
| Member Growth | 0.85% | - |
| Loan-to-Share Ratio | 93.88% | +9.98 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
First Florida filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.46B | - |
| 2025Q4 | $1.45B | 63,006 |
| 2024Q4 | $1.38B | 62,475 |
| 2023Q4 | $1.36B | 62,169 |
Credit Union Details
- Charter Number
- 61170
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Jacksonville
- Data Quarter
- 2025Q4
Branch Locations (18)
First Florida operates 18 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Jacksonville Downtown Branch (Main Office) | Jacksonville, FL |
| Southpoint Branch | Jacksonville, FL |
| CR210 Branch | Jacksonville, FL |
| Mandarin Branch | Jacksonville, FL |
| Tamaya Branch | Jacksonville, FL |
| Atlantic Branch | Jacksonville, FL |
| Arlington Branch | Jacksonville, FL |
| Roosevelt Blvd | Jacksonville, FL |
| Kingsley | Orange Park, FL |
| Orlando Branch | Orlando, FL |
| Pembroke Park Branch | Pembroke Park, FL |
| Raiford Branch | Raiford, FL |
| Durbin Branch | St Johns, FL |
| Blairstone Branch | Tallahassee, FL |
| Northside Branch | Tallahassee, FL |
| Southwood | Tallahassee, FL |
| Appleyard | Tallahassee, FL |
| Bannerman Circle | Tallahassee, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- First Florida ranks #1,446 of 4,374 nationally on financial health and #49 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Launch Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Launch Credit Union
Frequently Asked Questions
Is First Florida financially healthy?
On its 2025Q4 NCUA 5300 filing, First Florida scores 88/100 (Excellent), with a 12.86% net worth ratio and 0.82% of loans delinquent. It ranks #1,446 of 4,374 nationally on health and #49 of 109 in Florida.
How does First Florida compare to other credit unions?
First Florida scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.88% vs 83.90%). Its widest shortfall is return on assets (0.33% vs 0.51%).
How can I join First Florida?
Membership eligibility for First Florida depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Florida directly for current membership requirements and application steps.
Is my money safe at First Florida?
First Florida 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 Florida's net worth ratio of 12.86% 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.