First Florida Credit Union Jacksonville, Florida
First Florida Credit Union is a state-chartered credit union headquartered in Jacksonville, FL, established in 1950 (NCUA charter 61170), and it is regulated and insured by the NCUA. At Q2 2026 it reported 63,075 members and total assets of $1.47B (up 4.1% from Q2 2025), the 20th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 12.95% at Q2 2026, in the well capitalized band.
Also written as First Florida CU
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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
- 61170
- Headquarters
- Jacksonville, FL
- Established
- 1950
- Total assets, Q2 2026
- $1.47B
- Assets vs Q2 2025
- +4.1%
- Members, Q2 2026
- 63,075
- Net worth ratio, Q2 2026
- 12.95%
- Latest call report
- Q2 2026, NCUA 5300 · First Florida Credit Union call report
- Asset rank in state
- 20th of 106 in Florida
- Routing number
- 263079014
- Branches
- 18
It has 92 more members than on June 30, 2025 (+0.1%). Its net worth ratio was up 0.05 percentage points from 12.90% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $466.0M of $1.05B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.65% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.95% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Florida
Credit unions merged into First Florida Credit Union
Jacksonville Postal and Professional Credit Union (2022) · Florida Baptist Credit Union (2016) · State Employees Credit Union (2014)
Frequently asked about First Florida Credit Union
How big is First Florida Credit Union?
At Q2 2026 it reported total assets of $1.47B and 63,075 members.
Where is First Florida Credit Union headquartered?
It is headquartered in Jacksonville, FL, United States.
When was First Florida Credit Union founded?
It was established in 1950, per NCUA records.
Is First Florida Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61170): 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 First Florida Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is First Florida Credit Union well capitalized?
Its net worth ratio was 12.95% 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 First Florida Credit Union's delinquency ratio?
Its delinquency ratio was 0.65% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is First Florida Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 92.76% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Jacksonville, FL 32202
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 61170
- RSSD ID
- 403496
- Members
- 63,075
- Potential members
- 10,866,806
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 and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.95% | 10.89% | 78th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.79% | 0.89% | 42nd below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.07% | 8.07% | 32nd below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.01% | 3.45% | 24th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 74.48% | 70.59% | 35th below |
| 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% | 0.65% | 0.68% | 53rd above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.65% | 5.12% | 23rd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 92.76% | 88.03% | 67th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.47B total assets against $1.41B; $1.14B total shares and deposits against $1.08B; $1.05B total loans against $999.0M.
$190.5M net worth against $182.5M.
12.95% net worth ratio against 12.90%.
92.76% loan-to-share ratio against 92.15%.
0.65% delinquency ratio against 0.63%.
0.79% return on assets against 0.42%; 6.07% return on equity against 3.28%.
3.01% net interest margin against 2.75%.
63,075 members against 62,983.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.95% | 0.79% | 0.65% | 92.76% |
| March 31, 2026 | 12.86% | 0.64% | 0.62% | 92.68% |
| December 31, 2025 | 12.80% | 0.54% | 0.82% | 93.88% |
| September 30, 2025 | 12.78% | 0.64% | 0.59% | 93.22% |
| June 30, 2025 | 12.90% | 0.42% | 0.63% | 92.15% |
| March 31, 2025 | 13.00% | 0.31% | 0.47% | 89.61% |
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.