COMMUNITY FIRST CREDIT UNION OF FLO

Charter #67290 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

COMMUNITY FIRST CREDIT UNION OF FLO has 10 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 8.3% in tier
  • + Relationship Depth Leader: Top 29.6% in tier
  • + Wallet Share Momentum: Top 32.4% in tier
  • + ROA 0.30% above tier average
  • + Net Interest Margin 0.32% above tier average
  • + Strong member growth: 5.4% YoY
  • + Total Deposits: Top 2.0% in tier
  • + Total Assets: Top 2.3% in tier
  • + Total Members: Top 3.0% in tier
  • + Total Loans: Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 12.4% in tier
  • - Credit Quality Pressure: Bottom 17.9% in tier
  • - Liquidity Overhang: Bottom 19.9% in tier
  • - Indirect Auto Dependency: Bottom 26.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 186,039
+5.4% YoY+1.5% QoQ
 +87.4K 98,678
-1.9% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Top 3.3% in tier
Assets $2.9B
+3.3% YoY+2.7% QoQ
 +$1.2B $1.7B
+0.5% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Top 2.6% in tier
Loans $2.2B
+9.0% YoY+2.2% QoQ
 +$955.3M $1.2B
+0.5% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 3.9% in tier
Deposits $2.5B
+5.2% YoY+2.6% QoQ
 +$1.0B $1.5B
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 2.3% in tier
ROA 1.0%
+71.1% YoY+1.3% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Top 23.4% in tier
NIM 3.6%
+14.3% YoY+1.0% QoQ
 +0.3% 3.3%
+9.3% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 71st in tier
Efficiency Ratio 62.3%
-4.0% YoY+1.4% QoQ
 -11.7% 74.0%
-10.9% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 Bottom 11.2% in tier
Delinquency Rate 0.7%
+14.2% YoY-5.1% QoQ
 -0.1 0.8%
+6.1% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 52nd in tier
Loan To Share 87.9%
+3.7% YoY-0.4% QoQ
 +2.7% 85.2%
-0.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 50th in tier
AMR $25,145
+1.5% YoY+0.8% QoQ
 $-4K $29,172
+2.8% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 36th in tier
CD Concentration 31.2%
+4.1% YoY+11.3% QoQ
 +2.2% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 62nd in tier
Indirect Auto % 26.8%
+2.3% YoY+0.4% QoQ
 +8.0% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 69th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#61 of 246 • Top 8.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.39%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.00%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 26.81%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#215 of 264 • Top 29.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.48%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.9K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#235 of 264 • Top 32.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.48%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (4)

Growth-at-Risk

risk
#70 of 161 • Bottom 12.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.04%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.09% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#138 of 217 • Bottom 17.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Overhang

risk
#65 of 113 • Bottom 19.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.94%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 87.90%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

Indirect Auto Dependency

risk
#163 of 202 • Bottom 26.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.28%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 26.81%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.39%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (8 metrics)

7
Total Deposits
balance_sheet
Value: $2.49B
Peer Avg: $1.45B
#7 of 304 Top 2.0% in 1B-3B tier
8
Total Assets
balance_sheet
Value: $2.89B
Peer Avg: $1.72B
#8 of 304 Top 2.3% in 1B-3B tier
10
Total Members
engagement
Value: 186,039
Peer Avg: 98,678
#10 of 304 Top 3.0% in 1B-3B tier
12
Total Loans
balance_sheet
Value: $2.19B
Peer Avg: $1.23B
#12 of 304 Top 3.6% in 1B-3B tier
35
Efficiency Ratio
profitability
Value: 62.30%
Peer Avg: 73.97%
#35 of 304 Top 11.2% in 1B-3B tier
50
Member Growth Rate
growth
Value: 5.39%
Peer Avg: 2.20%
#50 of 304 Top 16.1% in 1B-3B tier
58
Net Worth Ratio
risk
Value: 12.94%
Peer Avg: 11.44%
#58 of 304 Top 18.8% in 1B-3B tier
71
Return on Assets (ROA)
profitability
Value: 1.00%
Peer Avg: 0.70%
#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (1 metrics)

267
Net Charge-Off Rate
risk
Value: 1.08%
Peer Avg: 0.60%
#267 of 304 Bottom 12.5% in 1B-3B tier