FIRST FLORIDA
Charter #61170 · Jacksonville, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.86% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.03% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.78% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 52nd — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST FLORIDA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.46B | 27th pct | 52th pct |
| Members | 63,025 | 12th pct | 33th pct |
| Net worth ratio | 12.86% | 80th pct | 79th pct |
| Return on average assets | 0.64% | 44th pct | 46th pct |
| Net interest margin | 3.03% | 28th pct | 18th pct |
| Cost of funds | 0.78% | 16th pct | 15th pct |
| Loan-to-share | 92.68% | 72th pct | 64th pct |
| Delinquency 60+ days | 0.62% | 49th pct | 59th pct |
| Net charge-off ratio | 0.64% | 61th pct | 74th pct |
| Loan growth YoY | 2.57% | 62th pct | 63th pct |
| Share growth YoY | 3.17% | 33th pct | 47th pct |
| Efficiency ratio | 74.99% | 58th pct | 39th pct |
structural peer set hash: e5e39222a584a3db89f52cb802a53967… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.