TellerScore

Champions First Credit Union is a federally insured state-chartered credit union headquartered in Tallahassee, Florida, in business for about 35 years. At the end of Q2 2026 it reported $540.7M in total assets and $478.8M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Champions First Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 87th. Its strongest component is problem-loan coverage (80/100; 10.0%), and its lowest is earnings (45/100; 0.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.82%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.27%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity73/100
Loans ÷ shares: 87.6% · 6.4% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.96%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (67 → 60), mostly because the loan quality component weakened by 21 points.

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202464
Q1 202566
Q2 202567
Q3 202565
Q4 202567
Q1 202663
Q2 202660
Net worth ratio
7.00%8.93%10.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.55%
Q3 202410.37%
Q4 202410.59%
Q1 202510.58%
Q2 202510.69%
Q3 202510.67%
Q4 202510.85%
Q1 202610.52%
Q2 202610.82%
Delinquent loans (60+ days)
0.57%0.92%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.84%
Q3 20240.99%
Q4 20240.72%
Q1 20250.57%
Q2 20250.62%
Q3 20250.76%
Q4 20250.79%
Q1 20261.04%
Q2 20261.27%
Return on assets
0.45%0.68%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.51%
Q4 20240.61%
Q1 20250.62%
Q2 20250.81%
Q3 20250.80%
Q4 20250.90%
Q1 20260.82%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$540.7M10.82%1.27%0.62%87.6%
Q1 202663$535.8M10.52%1.04%0.82%86.9%
Q4 202567$519.4M10.85%0.79%0.90%89.3%
Q3 202565$510.2M10.67%0.76%0.80%90.0%
Q2 202567$502.5M10.69%0.62%0.81%87.6%
Q1 202566$503.3M10.58%0.57%0.62%84.8%
Q4 202464$496.9M10.59%0.72%0.61%85.0%
Q3 202461$483.1M10.37%0.99%0.51%86.4%
Q2 202462$475.7M10.55%0.84%0.45%85.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.82%
41st
Problem loans1.27%
19th
Net charge-offs0.48%
37th
Return on assets0.62%
40th
Loans to deposits87.6%
22nd
Uninsured deposits6.4%
45th
Loan-loss reserves0.00%
50th
Texas ratio10.0%
13th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Tampa Bay Federal Credit UnionCredit union Tampa, FL52 out of 100, Below average$493.9M10.5%1.78%vs
Velocity Community Credit UnionCredit union Palm Beach Gard, FL74 out of 100, Strong$491.7M12.6%0.55%vs
Trax Federal Credit UnionCredit union Tampa, FL64 out of 100, Moderate$485.1M13.0%1.80%vs
Floridacentral Credit UnionCredit union Tampa, FL56 out of 100, Moderate$621.8M7.8%0.69%vs
Insight Credit UnionCredit union Winter Springs, FL58 out of 100, Moderate$629.1M10.2%1.13%vs
San Antonio Citizens Federal Credit UnionCredit union San Antonio, FL78 out of 100, Strong$399.9M11.0%0.28%vs

Deposit insurance

Is my money safe at Champions First Credit Union?

Yes. Champions First Credit Union is a federally insured credit union (NCUA charter #67874). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.4% of shares and deposits ($30.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.82%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Champions First Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Champions First Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67874
RSSD ID
887199
Primary regulator
State + NCUA
Established
1991
Headquarters
PO Box 182499, Tallahassee, FL 32318
Employees
98

Quick answers

Champions First Credit Union: common questions

Is Champions First Credit Union NCUA insured?

Yes. Champions First Credit Union is a federally insured credit union (NCUA charter #67874). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Champions First Credit Union's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Champions First Credit Union have?

5 offices as of the latest NCUA data.