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
- DELQ 88/100
- ROA 12.9%
- ASSETS 0.82%
- MEM 0.33%
- RANK $1.45B
- PHOTO 63,006
- BOOK #1,446/4,374
- CHARTER The Summit
- NCUSIF 61170
Call Report peers
First Florida in the assets neighbourhood
First Florida's $1.45B assets sit next to The Summit ($1.45B) 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 Florida 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
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
First Florida - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61170: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How First Florida's 5300 filing moved
First Florida: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $1.45B (2025Q4) to $1.46B (2026Q1).
- Net-worth ratio shifted +0.06 pp (12.80% → 12.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
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 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
Two NCUA Call Report peer sets for First Florida, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.45B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 Florida financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Florida carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,446 of 4,374; by total assets it ranks #341 of 4,374 nationally (same basis as /rankings/largest); and #21 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.86% net worth ratio and a 0.82% delinquency rate.
How does First Florida compare to other credit unions?
First Florida scores 88/100 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 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?
Federal credit unions like First Florida 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 Florida's net worth ratio of 12.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Florida offer compared to banks?
Credit unions like First Florida 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 Florida 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.