TellerScore

First Commerce Credit Union is a federally insured state-chartered credit union headquartered in Tallahassee, Florida, in business for about 86 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.1B in member shares and deposits, with 12 offices across 2 states.

Based on its Q2 2026 filing, First Commerce Credit Union scores 65/100, which we describe as moderate. That is higher than only 41% of 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 73rd. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is earnings (47/100; 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.13%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity68/100
Loans ÷ shares: 92.7% · 9.2% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.11%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 65).

TellerScore
606365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202462
Q1 202563
Q2 202564
Q3 202563
Q4 202564
Q1 202663
Q2 202665
Net worth ratio
7.00%8.75%10.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.10%
Q3 202410.15%
Q4 202410.50%
Q1 202510.24%
Q2 202510.48%
Q3 202510.40%
Q4 202510.16%
Q1 202610.06%
Q2 202610.13%
Delinquent loans (60+ days)
0.50%0.71%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.91%
Q3 20240.90%
Q4 20240.78%
Q1 20250.55%
Q2 20250.56%
Q3 20250.66%
Q4 20250.57%
Q1 20260.52%
Q2 20260.50%
Return on assets
0.35%0.51%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.45%
Q4 20240.46%
Q1 20250.35%
Q2 20250.46%
Q3 20250.52%
Q4 20250.55%
Q1 20260.54%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$1.2B10.13%0.50%0.68%92.7%
Q1 202663$1.2B10.06%0.52%0.54%92.9%
Q4 202564$1.2B10.16%0.57%0.55%90.6%
Q3 202563$1.1B10.40%0.66%0.52%90.1%
Q2 202564$1.1B10.48%0.56%0.46%89.5%
Q1 202563$1.1B10.24%0.55%0.35%85.1%
Q4 202462$1.1B10.50%0.78%0.46%84.9%
Q3 202460$1.1B10.15%0.90%0.45%85.7%
Q2 202460$1.1B10.10%0.91%0.39%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 ratio10.13%
32nd
Problem loans0.50%
69th
Net charge-offs0.41%
64th
Return on assets0.68%
36th
Loans to deposits92.7%
36th
Uninsured deposits9.2%
51st
Loan-loss reserves0.00%
50th
Texas ratio4.1%
58th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Radiant Credit UnionCredit union Gainesville, FL65 out of 100, Moderate$1.1B9.5%0.47%vs
Gulf Winds Credit UnionCredit union Pensacola, FL69 out of 100, Moderate$1.4B9.9%0.44%vs
Usf Federal Credit UnionCredit union Tampa, FL60 out of 100, Moderate$1.4B10.6%0.77%vs
Brightstar Credit UnionCredit union Fort Lauderdale, FL62 out of 100, Moderate$1.1B9.2%0.52%vs
Launch Credit UnionCredit union Merritt Island, FL54 out of 100, Below average$1.4B9.3%0.95%vs
Power Financial Credit UnionCredit union Pembroke Pines, FL55 out of 100, Moderate$1.0B14.0%3.35%vs

Deposit insurance

Is my money safe at First Commerce Credit Union?

Yes. First Commerce Credit Union is a federally insured credit union (NCUA charter #68301). 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 9.2% of shares and deposits ($96.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

12 locations

Branches

First Commerce Credit Union lists 12 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Commerce Credit Union reported 958 home-loan applications under HMDA (LEI 549300GMNBYF84V5RF83): 545 originated ($79,515,000 total), 250 denied, and 84 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.6%, 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
First Commerce Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68301
RSSD ID
522276
Primary regulator
State + NCUA
Established
1940
Headquarters
PO Box 6416, Tallahassee, FL 32314
Employees
198

Quick answers

First Commerce Credit Union: common questions

Is First Commerce Credit Union NCUA insured?

Yes. First Commerce Credit Union is a federally insured credit union (NCUA charter #68301). 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 First Commerce Credit Union's TellerScore?

65 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 First Commerce Credit Union have?

12 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Tallahassee

InstitutionScoreAssetsCapitalProblem loansCompare
Hello Credit UnionCredit union Panama City, FL80 out of 100, Strong$159.9M14.3%0.32%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
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Loyalty Credit UnionCredit union Pensacola, FL75 out of 100, Strong$300.3M11.6%0.66%vs
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