TellerScore

Community First Credit Union of Flo (NCUA charter #67290) is based in Jacksonville, Florida. Its Q2 2026 call report shows $3.2B in total assets and $2.8B in member shares and deposits and 25 offices.

Based on its Q2 2026 filing, Community First Credit Union of Flo scores 73/100, which we describe as strong. That is higher than 70% of 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 45th. Its strongest component is problem-loan coverage (91/100; 4.3%), and its lowest is earnings (55/100; 0.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.26%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.63%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity75/100
Loans ÷ shares: 85.2% · 13.9% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.32%

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 2 points (75 → 73), mostly because the capital cushion component weakened by 7 points.

TellerScore
687275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202472
Q4 202468
Q1 202573
Q2 202575
Q3 202575
Q4 202573
Q1 202672
Q2 202673
Net worth ratio
7.00%10.02%13.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.97%
Q3 202412.80%
Q4 202412.79%
Q1 202512.64%
Q2 202513.03%
Q3 202512.94%
Q4 202512.48%
Q1 202612.13%
Q2 202612.26%
Delinquent loans (60+ days)
0.60%0.70%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.67%
Q3 20240.61%
Q4 20240.77%
Q1 20250.65%
Q2 20250.74%
Q3 20250.70%
Q4 20250.80%
Q1 20260.60%
Q2 20260.63%
Return on assets
0.25%0.62%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.58%
Q4 20240.25%
Q1 20250.72%
Q2 20250.99%
Q3 20250.99%
Q4 20250.92%
Q1 20260.68%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$3.2B12.26%0.63%0.88%85.2%
Q1 202672$3.2B12.13%0.60%0.68%82.1%
Q4 202573$3.0B12.48%0.80%0.92%84.4%
Q3 202575$2.9B12.94%0.70%0.99%87.9%
Q2 202575$2.8B13.03%0.74%0.99%88.3%
Q1 202573$2.8B12.64%0.65%0.72%84.4%
Q4 202468$2.8B12.79%0.77%0.25%84.7%
Q3 202472$2.8B12.80%0.61%0.58%84.8%
Q2 202473$2.7B12.97%0.67%0.60%84.5%

454 peers · $1 billion – $10 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 ratio12.26%
71st
Problem loans0.63%
54th
Net charge-offs0.88%
19th
Return on assets0.88%
57th
Loans to deposits85.2%
57th
Uninsured deposits13.9%
17th
Loan-loss reserves0.00%
50th
Texas ratio4.3%
55th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Achieva Credit UnionCredit union Dunedin, FL68 out of 100, Moderate$3.2B9.9%0.35%vs
Gte Federal Credit UnionCredit union Tampa, FL58 out of 100, Moderate$3.1B11.1%1.08%vs
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs
Penair Credit UnionCredit union Pensacola, FL69 out of 100, Moderate$2.8B11.5%0.60%vs
Florida Credit UnionCredit union Gainesville, FL75 out of 100, Strong$2.8B12.7%0.80%vs
Addition Financial Credit UnionCredit union Lake Mary, FL61 out of 100, Moderate$3.8B10.0%1.40%vs

Deposit insurance

Is my money safe at Community First Credit Union of Flo?

Yes. Community First Credit Union of Flo is a federally insured credit union (NCUA charter #67290). 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 13.9% of shares and deposits ($388.3M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.26%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

25 locations

Branches

Community First Credit Union of Flo lists 25 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community First Credit Union of Flo reported 1,760 home-loan applications under HMDA (LEI 549300PIL90PE1ZLKI49): 1,157 originated ($203,435,000 total), 372 denied, and 227 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community First Credit Union of Flo
Type
Federally insured state-chartered credit union
NCUA charter #
67290
RSSD ID
876492
Primary regulator
State + NCUA
Established
1961
Headquarters
637 North Lee Street, Jacksonville, FL 32204
Employees
467

Quick answers

Community First Credit Union of Flo: common questions

Is Community First Credit Union of Flo NCUA insured?

Yes. Community First Credit Union of Flo is a federally insured credit union (NCUA charter #67290). 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 Community First Credit Union of Flo's TellerScore?

73 out of 100 (Strong), 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 Community First Credit Union of Flo have?

25 offices as of the latest NCUA data.

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