TellerScore

First Florida Credit Union is a federally insured state-chartered credit union headquartered in Jacksonville, Florida, in business for about 76 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.1B in member shares and deposits, with 9 offices.

First Florida Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 51st. Problem-loan coverage contributes the most (92/100, 4.1%); earnings contributes the least (48/100, 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 12.95%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.65%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity67/100
Loans ÷ shares: 92.8% · 4.6% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.10%

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 rose 2 points (70 → 72), mostly because the earnings component improved by 13 points.

TellerScore
687072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202471
Q4 202471
Q1 202572
Q2 202570
Q3 202570
Q4 202568
Q1 202672
Q2 202672
Net worth ratio
7.00%10.00%13.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.01%
Q3 202412.98%
Q4 202412.99%
Q1 202513.00%
Q2 202512.90%
Q3 202512.78%
Q4 202512.80%
Q1 202612.86%
Q2 202612.95%
Delinquent loans (60+ days)
0.47%0.64%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.64%
Q4 20240.60%
Q1 20250.47%
Q2 20250.63%
Q3 20250.59%
Q4 20250.82%
Q1 20260.62%
Q2 20260.65%
Return on assets
0.31%0.51%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.36%
Q4 20240.35%
Q1 20250.31%
Q2 20250.37%
Q3 20250.45%
Q4 20250.47%
Q1 20260.64%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.5B12.95%0.65%0.71%92.8%
Q1 202672$1.5B12.86%0.62%0.64%92.7%
Q4 202568$1.4B12.80%0.82%0.47%93.9%
Q3 202570$1.4B12.78%0.59%0.45%93.2%
Q2 202570$1.4B12.90%0.63%0.37%92.1%
Q1 202572$1.4B13.00%0.47%0.31%89.6%
Q4 202471$1.4B12.99%0.60%0.35%89.8%
Q3 202471$1.4B12.98%0.64%0.36%85.9%
Q2 202472$1.4B13.01%0.57%0.33%83.6%

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 ratio12.95%
79th
Problem loans0.65%
52nd
Net charge-offs0.56%
45th
Return on assets0.71%
40th
Loans to deposits92.8%
36th
Uninsured deposits4.6%
90th
Loan-loss reserves0.00%
50th
Texas ratio4.1%
58th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Community Credit Union of FloridaCredit union Rockledge, FL70 out of 100, Strong$1.4B11.3%0.22%vs
Launch Credit UnionCredit union Merritt Island, FL54 out of 100, Below average$1.4B9.3%0.95%vs
Usf Federal Credit UnionCredit union Tampa, FL60 out of 100, Moderate$1.4B10.6%0.77%vs
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Gulf Winds Credit UnionCredit union Pensacola, FL69 out of 100, Moderate$1.4B9.9%0.44%vs
First Commerce Credit UnionCredit union Tallahassee, FL65 out of 100, Moderate$1.2B10.1%0.50%vs

Deposit insurance

Is my money safe at First Florida Credit Union?

Yes. First Florida Credit Union is a federally insured credit union (NCUA charter #61170). 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 4.6% of shares and deposits ($52.1M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.95%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

First Florida Credit Union lists 9 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Florida Credit Union reported 223 home-loan applications under HMDA (LEI 549300EYKSNFOZRIBC29): 121 originated ($28,055,000 total), 47 denied, and 54 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.8%, 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 Florida Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61170
RSSD ID
403496
Primary regulator
State + NCUA
Established
1950
Headquarters
500 W 1st St, Jacksonville, FL 32202
Employees
210

Quick answers

First Florida Credit Union: common questions

Is First Florida Credit Union NCUA insured?

Yes. First Florida Credit Union is a federally insured credit union (NCUA charter #61170). 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 Florida Credit Union's TellerScore?

72 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 First Florida Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jacksonville

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Metro North Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$21.7M16.7%0.07%vs
Southeastern BankBank Darien, GA86 out of 100, Very strong$624.9M13.4%0.38%vs
Container Mutual Credit UnionCredit union Fernandina Beac, FL85 out of 100, Very strong$5.5M48.0%0.41%vs
Tru Fi Credit UnionCredit union Macclenny, FL84 out of 100, Strong$146.4M12.6%0.60%vs