Community First Credit Union of Florida Jacksonville, Florida
Community First Credit Union of Florida is a state-chartered credit union headquartered in Jacksonville, FL, established in 1935 (NCUA charter 67290), and it is regulated and insured by the NCUA. At Q2 2026 it reported 194,282 members and total assets of $3.21B (up 14.4% from Q2 2025), the 10th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 12.26% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67290
- Headquarters
- Jacksonville, FL
- Established
- 1935
- Total assets, Q2 2026
- $3.21B
- Assets vs Q2 2025
- +14.4%
- Members, Q2 2026
- 194,282
- Net worth ratio, Q2 2026
- 12.26%
- Latest call report
- Q2 2026, NCUA 5300 · Community First Credit Union of Florida call report
- Asset rank in state
- 10th of 106 in Florida
- Routing number
- 263078934
- Branches
- 26
It has 11,076 more members than on June 30, 2025 (+6.0%). Its net worth ratio was down 0.77 percentage points from 13.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $908.8M of $2.38B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.63% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.26% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Florida
Frequently asked about Community First Credit Union of Florida
How big is Community First Credit Union of Florida?
At Q2 2026 it reported total assets of $3.21B and 194,282 members.
Where is Community First Credit Union of Florida headquartered?
It is headquartered in Jacksonville, FL, United States.
When was Community First Credit Union of Florida founded?
It was established in 1935, per NCUA records.
Is Community First Credit Union of Florida FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67290): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Community First Credit Union of Florida?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Community First Credit Union of Florida well capitalized?
Its net worth ratio was 12.26% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Community First Credit Union of Florida's delinquency ratio?
Its delinquency ratio was 0.63% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Community First Credit Union of Florida's loan-to-share ratio?
Its loan-to-share ratio was 85.18% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Jacksonville, FL 32204
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 67290
- RSSD ID
- 876492
- Members
- 194,282
- Potential members
- 10,080,666
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.26% | 10.89% | 70th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.08% | 0.89% | 64th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.85% | 8.07% | 57th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.39% | 3.45% | 46th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 63.15% | 70.59% | 75th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.64% | 1.68% | 53rd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.63% | 0.68% | 56th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.03% | 5.12% | 44th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 85.18% | 88.03% | 43rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.21B total assets against $2.81B; $2.80B total shares and deposits against $2.43B; $2.38B total loans against $2.14B.
$393.8M net worth against $366.0M.
12.26% net worth ratio against 13.03%.
85.18% loan-to-share ratio against 88.27%.
0.63% delinquency ratio against 0.74%.
1.08% return on assets against 1.26%; 8.85% return on equity against 9.66%.
3.39% net interest margin against 3.68%.
194,282 members against 183,206.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.26% | 1.08% | 0.63% | 85.18% |
| March 31, 2026 | 12.13% | 0.68% | 0.60% | 82.12% |
| December 31, 2025 | 12.48% | 0.86% | 0.80% | 84.36% |
| September 30, 2025 | 12.94% | 1.04% | 0.70% | 87.90% |
| June 30, 2025 | 13.03% | 1.26% | 0.74% | 88.27% |
| March 31, 2025 | 12.64% | 0.72% | 0.65% | 84.38% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.