Side-by-side · Q2 2026 data
First Florida Credit Union vs First Commerce Credit Union
Metric by metric
| Measure | First Florida Credit Union | First Commerce Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 65 |
| Capital cushion | 80 (stronger) | 51 |
| Loan quality | 78 | 83 (stronger) |
| Earnings | 48 (stronger) | 47 |
| Funding & liquidity | 67 | 68 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 66th | 41st |
| Total assets | $1.5B | $1.2B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 12.95% (stronger) | 10.13% |
| Problem loans | 0.65% | 0.50% (stronger) |
| Net charge-offs | 0.56% | 0.41% (stronger) |
| Return on assets | 0.71% (stronger) | 0.68% |
| Loans ÷ deposits | 92.8% | 92.7% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 9.2% |
| Offices | 9 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.8% | 28.6% |
First Florida Credit Union has the higher TellerScore (72 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Florida Credit Union leads on 4 and First Commerce Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.