FIRST COAST COMMUNITY
Charter #68524 | FL
100M-500M
(1077 CUs)
Micro
($0-$500M)
35 100M-500M in FL
FIRST COAST COMMUNITY has 7 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 22.8% in tier
- + Relationship Depth Leader: Top 30.8% in tier
- + Wallet Share Momentum: Top 33.2% in tier
- + ROA 0.03% above tier average
- + Net Interest Margin 0.16% above tier average
- + First Mortgage Concentration (%): Top 4.7% in tier
- + Share Certificate Concentration (%): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9.1% in tier
- - Indirect Auto Dependency: Bottom 17.5% in tier
- - Membership Headwinds: Bottom 24.1% in tier
- - Stagnation Risk: Bottom 26.1% in tier
- - Margin Compression: Bottom 27.5% in tier
- - Institutional Decline: Bottom 28.8% in tier
- - Efficiency ratio 0.96% above tier (higher cost structure)
- - Loan-to-Member Ratio (LMR): Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 3.4% in tier
- - Total Loans: Bottom 4.7% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,834
-1.5% YoY-1.2% QoQ
|
-3.8K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
41st in tier |
| Assets |
$149.7M
+1.2% YoY-1.4% QoQ
|
$-81.6M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
31st in tier |
| Loans |
$47.6M
-3.6% YoY-1.4% QoQ
|
$-100.2M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.6% in tier |
| Deposits |
$129.2M
+1.3% YoY-1.3% QoQ
|
$-71.1M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
30th in tier |
| ROA |
0.8%
-20.0% YoY-10.0% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
54th in tier |
| NIM |
3.7%
+8.6% YoY+2.4% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
58th in tier |
| Efficiency Ratio |
78.2%
+5.1% YoY+1.0% QoQ
|
+1.0% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
55th in tier |
| Delinquency Rate |
0.4%
-31.2% YoY-20.7% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 22.5% in tier |
| Loan To Share |
36.9%
-4.9% YoY-0.1% QoQ
|
-35.8% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.3% in tier |
| AMR |
$14,943
+1.5% YoY-0.1% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.4% in tier |
| CD Concentration |
7.8%
+3.6% YoY+3.0% QoQ
|
-16.7% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
32.6%
-11.4% YoY-3.6% QoQ
|
+18.7% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growth
#428 of 627 • Top 22.8% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.82%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.47%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#851 of 1006 • Top 30.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.45%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.6K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#915 of 1006 • Top 33.2% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.45%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (6)
Liquidity Overhang
risk
#141 of 552 • Bottom 9.1% 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:
13.23%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
36.87%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#282 of 525 • Bottom 17.5% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
1.16%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
32.64%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-1.47%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#398 of 550 • Bottom 24.1% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.47%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Stagnation Risk
risk
#431 of 550 • Bottom 26.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.82%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.47%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$14.9K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
7.75%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Margin Compression
decline
#116 of 136 • Bottom 27.5% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
0.82%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.21% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$149.68M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Institutional Decline
decline
#228 of 256 • Bottom 28.8% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$149.68M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-1.47%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-3.58%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank improving
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)
Top Strengths (3 metrics)
52
First Mortgage Concentration (%)
balance_sheet
Value:
3.63%
Peer Avg: 30.43%
#52 of 1077
Top 4.7% in 100M-500M tier
83
Share Certificate Concentration (%)
balance_sheet
Value:
7.75%
Peer Avg: 23.61%
#83 of 1077
Top 7.6% in 100M-500M tier
243
Total Delinquency Rate (60+ days)
risk
Value:
0.35%
Peer Avg: 0.86%
#243 of 1077
Top 22.5% in 100M-500M tier
Top Weaknesses (7 metrics)
1058
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,025
Peer Avg: $10,245
#1058 of 1077
Bottom 1.9% in 100M-500M tier
1041
Loan-to-Share Ratio
balance_sheet
Value:
36.87%
Peer Avg: 72.70%
#1041 of 1077
Bottom 3.4% in 100M-500M tier
1027
Total Loans
balance_sheet
Value:
$47.63M
Peer Avg: $147.80M
#1027 of 1077
Bottom 4.7% in 100M-500M tier
976
Average Member Relationship (AMR)
engagement
Value:
$14,943
Peer Avg: $24,363
#976 of 1077
Bottom 9.5% in 100M-500M tier
929
Indirect Auto Concentration (%)
balance_sheet
Value:
32.64%
Peer Avg: 13.34%
#929 of 1077
Bottom 13.8% in 100M-500M tier
882
Loan Growth Rate
growth
Value:
-3.58%
Peer Avg: 3.45%
#882 of 1077
Bottom 18.2% in 100M-500M tier
816
Fee Income Per Member
profitability
Value:
$116.56
Peer Avg: $174.31
#816 of 1077
Bottom 24.3% in 100M-500M tier