Side-by-side · Q2 2026 data
Community First Credit Union of Flo vs Fairwinds Credit Union
Credit union
Community First Credit Union of Flo
Jacksonville, Florida · $1 billion – $10 billion
Metric by metric
| Measure | Community First Credit Union of Flo | Fairwinds Credit Union |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 73 (stronger) | 62 |
| Loan quality | 79 | 85 (stronger) |
| Earnings | 55 (stronger) | 51 |
| Funding & liquidity | 75 | 89 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 70th | 70th |
| Total assets | $3.2B | $5.3B |
| Deposits / shares | $2.8B | $4.8B |
| Capital ratio | 12.26% (stronger) | 11.17% |
| Problem loans | 0.63% | 0.46% (stronger) |
| Net charge-offs | 0.88% | 0.18% (stronger) |
| Return on assets | 0.88% (stronger) | 0.77% |
| Loans ÷ deposits | 85.2% | 71.6% (stronger) |
| Uninsured deposits | 13.9% | 9.0% (stronger) |
| Offices | 25 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.3% | 38.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Community First Credit Union of Flo leads on 2 and Fairwinds Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.