COMMUNITY FIRST CREDIT UNION OF FLO
Charter #67290 · JACKSONVILLE, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.13% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.03% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.94% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.77% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 31st — a 22-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 | COMMUNITY FIRST CREDIT UNION OF FLO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.17B | 67th pct | 72th pct |
| Members | 191,902 | 72th pct | 69th pct |
| Net worth ratio | 12.13% | 72th pct | 75th pct |
| Return on average assets | 0.70% | 49th pct | 43th pct |
| Net interest margin | 3.40% | 54th pct | 31th pct |
| Cost of funds | 0.03% | 2th pct | 0th pct |
| Loan-to-share | 82.12% | 37th pct | 34th pct |
| Delinquency 60+ days | 0.60% | 47th pct | 57th pct |
| Net charge-off ratio | 0.94% | 81th pct | 79th pct |
| Loan growth YoY | 3.95% | 74th pct | 67th pct |
| Share growth YoY | 11.27% | 93th pct | 95th pct |
| Efficiency ratio | 66.77% | 27th pct | 25th pct |
structural peer set hash: 1b514879a48b41931cac8447a0390c60… (reproducible)
Closest structural peers
This is the free public view
Claim COMMUNITY FIRST CREDIT UNION OF FLO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.