State credit union · Jacksonville, Florida · NCUA charter #61170
First Florida
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $1.45B
- Total assets
- 63,006
- Members
- 9.0%
- Net-worth ratio
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.
First Florida - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)92
- Asset quality (delinquency)87
- Earnings (ROA)83
- Member growth67
- Liquidity (loan-to-share)88
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.00% 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 | 9.00% | 30% |
| Delinquency Rate | 0.82% | 25% |
| Return on Assets | 0.33% | 15% |
| Member Growth | 0.85% | 15% |
| Loan-to-Share Ratio | 93.88% | 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 | $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
What This Data Says About First Florida
Headquartered in Jacksonville, Florida, First Florida is a state credit union with 63,006 members, $1.45B in total assets, and $1.04B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 85/100 (Excellent), driven in part by a net worth ratio of 9.00% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #61170 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.82% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 93.88% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.33% on net income of $4.8M 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 0.85%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group 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 First Florida financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Florida carries a financial health score of 85/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.00% net worth ratio and a 0.82% delinquency rate.
How does First Florida compare to other credit unions?
First Florida scores 85/100 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 9.00% 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.
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.