Community First Credit Union of Flo
Jacksonville, FL · Charter 67290 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
$3.2BAssets
$2.4BLoans
$2.8BShares
$393.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 77% of credit unions $1B-$10B in assets (rank 102 of 435).
- Widest gap: net interest margin trails 54% of credit unions $1B-$10B in assets (rank 236 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.88%
Rank 189 of 435
Net Interest Margin
3.34%
Rank 236 of 435
Efficiency Ratio
64.81%
Rank 102 of 435
Equity / Assets
12.26%
Rank 130 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.55% | 0.81% | 1.14% | Beats 57% | 189 / 435 | |
| Return on Equity | 7.18% | 5.12% | 7.41% | 9.70% | Beats 47% | 229 / 435 | |
| Net Interest Margin | 3.34% | 3.01% | 3.39% | 3.75% | Beats 46% | 236 / 435 | |
| Efficiency Ratio | 64.81% | 65.25% | 71.39% | 77.86% | Beats 77% | 102 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.45% | 0.69% | 1.05% | Beats 55% | 198 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.26% | 9.81% | 10.84% | 12.63% | Beats 70% | 130 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.26% | 9.81% | 10.84% | 12.63% | Beats 70% | 130 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 85.18% | 78.33% | 88.38% | 95.61% | 42nd pctl | 253 / 435 | |
| Loans / Assets | 74.13% | 67.69% | 74.58% | 80.80% | 48th pctl | 225 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |