Credit Union Safety Analysis
Is Community First Credit Union of Florida Safe? Jacksonville, Florida
Based on its Q2 2026 NCUA 5300 call report, Community First Credit Union of Florida has a net worth ratio of 12.26%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.63%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Community First Credit Union of Florida's net worth ratio is 12.26%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.26%
- Delinquency ratio (60+ days) (Q2 2026): 0.63%
- Return on assets (Q2 2026): 1.08%
- Loan-to-share ratio (Q2 2026): 85.18%
Community First Credit Union of Florida (NCUA charter 67290, established 1935) reported $3.21B in assets and 194,282 members for Q2 2026 from Jacksonville, Florida. It ranks 10 of 106 credit unions in Florida by total assets. Total assets grew 14.4% from $2.81B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.13% for Q1 2026; 13.03% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.60% for Q1 2026; 0.74% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.68% for Q1 2026; 1.26% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 82.12% for Q1 2026; 88.27% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $908.8M
- New vehicle loans: $531.5M
- Used vehicle loans: $427.1M
- Commercial loans: $240.3M
- Other unsecured loans and lines of credit: $141.7M
- Unsecured credit card loans: $112.6M
- Other secured non-real estate loans and lines of credit: $18.7M
- Non-federally guaranteed student loans: $749K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.21B | 12.26% | 0.63% | 1.08% | 85.18% |
| March 31, 2026 | $3.17B | 12.13% | 0.60% | 0.68% | 82.12% |
| December 31, 2025 | $3.04B | 12.48% | 0.80% | 0.86% | 84.36% |
| September 30, 2025 | $2.89B | 12.94% | 0.70% | 1.04% | 87.90% |
| June 30, 2025 | $2.81B | 13.03% | 0.74% | 1.26% | 88.27% |
| March 31, 2025 | $2.83B | 12.64% | 0.65% | 0.72% | 84.38% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Community First Credit Union of Florida profile
Regulator records: NCUA credit union profile (charter 67290) · FFIEC NIC profile (RSSD 876492)
Frequently asked questions
Is Community First Credit Union of Florida well capitalized?
On its Q2 2026 NCUA 5300 call report, Community First Credit Union of Florida's net worth ratio is 12.26%, above the 7% NCUA threshold for well capitalized.
Is Community First Credit Union of Florida FDIC insured?
No. The FDIC insures banks, not credit unions. Community First Credit Union of Florida is a federally insured credit union (NCUA charter 67290): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Community First Credit Union of Florida's key safety ratios?
For Q2 2026, Community First Credit Union of Florida reports net worth 12.26%, delinquency 0.63%, ROA 1.08%, loan-to-share 85.18%.
What happens to my money if Community First Credit Union of Florida fails?
For Q2 2026, Community First Credit Union of Florida held $2.80B in shares and deposits for 194,282 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.