Credit Union Safety Analysis
Is First Florida Credit Union Safe? Jacksonville, Florida
Based on its Q2 2026 NCUA 5300 call report, First Florida Credit Union has a net worth ratio of 12.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.65%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of First Florida Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, First Florida Credit Union's net worth ratio is 12.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.95%
- Delinquency ratio (60+ days) (Q2 2026): 0.65%
- Return on assets (Q2 2026): 0.79%
- Loan-to-share ratio (Q2 2026): 92.76%
First Florida Credit Union (NCUA charter 61170, established 1950) reported $1.47B in assets and 63,075 members for Q2 2026 from Jacksonville, Florida. It ranks 20 of 106 credit unions in Florida by total assets. Total assets grew 4.1% from $1.41B on June 30, 2025. 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.
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: 12.86% for Q1 2026; 12.90% 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: 0.62% for Q1 2026; 0.63% 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: 0.64% for Q1 2026; 0.42% 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: 92.68% for Q1 2026; 92.15% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $466.0M
- Used vehicle loans: $239.5M
- Other secured non-real estate loans and lines of credit: $111.7M
- New vehicle loans: $107.5M
- Other unsecured loans and lines of credit: $74.9M
- Commercial loans: $33.0M
- Unsecured credit card loans: $22.2M
- Non-federally guaranteed student loans: $9K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.47B | 12.95% | 0.65% | 0.79% | 92.76% |
| March 31, 2026 | $1.46B | 12.86% | 0.62% | 0.64% | 92.68% |
| December 31, 2025 | $1.45B | 12.80% | 0.82% | 0.54% | 93.88% |
| September 30, 2025 | $1.43B | 12.78% | 0.59% | 0.64% | 93.22% |
| June 30, 2025 | $1.41B | 12.90% | 0.63% | 0.42% | 92.15% |
| March 31, 2025 | $1.39B | 13.00% | 0.47% | 0.31% | 89.61% |
Add this badge to your website
Free to use. It shows First Florida Credit Union’s latest filed figures and updates each quarter.
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.
First Florida Credit Union profile
Regulator records: NCUA credit union profile (charter 61170) · FFIEC NIC profile (RSSD 403496)
Frequently asked questions
Is First Florida Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, First Florida Credit Union's net worth ratio is 12.95%, above the 7% NCUA threshold for well capitalized.
Is First Florida Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. First Florida Credit Union is a federally insured credit union (NCUA charter 61170): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are First Florida Credit Union's key safety ratios?
For Q2 2026, First Florida Credit Union reports net worth 12.95%, delinquency 0.65%, ROA 0.79%, loan-to-share 92.76%.
What happens to my money if First Florida Credit Union fails?
For Q2 2026, First Florida Credit Union held $1.14B in shares and deposits for 63,075 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.