# FIRST COAST COMMUNITY
Palatka, FL · NCUA charter 68524 · asset band $100-200M · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/first-coast-community-68524

Who the members are: state charter, organized 1948, low-income designated. 11,834 members of 466,124 potential (2.5% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $149.7M |
| Members | 11,834 (-1.5% YoY) |
| Full-time staff | 32 |
| Net worth | $19.8M |
| Net worth ratio | 13.2% (p69 of band) |
| ROA (annualized) | 0.83% (p54 of band) |
| Total delinquency | 0.35% (p23 of band) |
| Net charge-offs (annualized) | 0.50% (p69 of band) |
| Loans / shares | 37% (p5 of band) |
| Cash / assets | 19.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p56 of band) |
| Operating expense / assets | 3.67% (p53 of band) |
| Vehicles % of loans | 51% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 63% |
| Third-party paper % of net worth | 79% (p64 of band) |
| Vehicle delinquency | 0.18% (p18 of band) |
| Vehicle NCO | 0.25% (p30 of band) |
| Repossessed % of vehicle book | 0.10% (p80 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 8% |
| Average share balance | $6,259 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $9,581 |
| Loans granted, annualized | $17.4M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 2 | delinquency 2x band, members leaving |  |
| 2017-06 | 1 |  | delinquency 2x band |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | members leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | delinquency rising, members leaving |  |
| 2018-12 | 3 | losing money, assets shrinking | delinquency rising |
| 2019-03 | 4 | net worth falling, delinquency rising | losing money |
| 2019-06 | 2 |  | net worth falling, delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 0 |  | members leaving |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 3 | margin squeeze, delinquency rising |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 3 | delinquency rising |  |
| 2021-06 | 2 |  | delinquency rising |
| 2021-09 | 5 | delinquency 2x band, delinquency rising, 3rd-party paper>100% NW |  |
| 2021-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 3 | delinquency 2x band |  |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | assets shrinking |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 1 |  | 3rd-party paper>100% NW, delinquency rising |
| 2024-12 | 1 | delinquency rising | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-24 [Gainesville’s Radiant Credit Union to merge with Palatka-based credit union - Mainstreet Daily News Gainesville](https://news.google.com/rss/articles/CBMifEFVX3lxTE0yR2xaNGpOMUVWVjJDdjl0SEozMDZWU2duOGtwWU5UUUlvcjlKZ0xiXzN5SE1MLVRLRzdFbFY4OXp4UTl3dGNCWHpqMlZ3dmt3WmlnT0ptOVE3Q1pMVHAtQldLeE1uWkhCUF96b1o1Mzl5akR2TUR0VmJYYW4?oc=5) · Mainstreet Daily News Gainesville
- 2025-07-23 [Community First Credit Union opens Callahan branch - CUInsight](https://news.google.com/rss/articles/CBMilgFBVV95cUxOWXAwX1diRGcxRW1LNXQ1eE1BeGJUalBVNWJOaDRZcmtOc1B1cW9FakpVcEx5enJ4cUNuU3BvLV94YXN5a3pzTHFpN0daVW9pb041OXpjaGZUTHg4dUFhOHJGYWVVMjRLWmFRTHQ5V0I5NC1VNFluVkdTNV9UcnJ3X284eS1vcm92bUtPVE40R1hyc0JQOGc?oc=5) · CUInsight
- 2025-10-09 [Bank Auto Lending Rebound Faces Hurdles on Price Hikes - KBRA](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNN3A3czBGWjNyckZCNkYta2lDWEpSMWZJNVlteUVjM0RDT0lrMXNsenZJUUt4RVFJWEQycUhhZ2l2MzNMTWctekZ4Z21pTG1Jbm5yNDhDOS1NLUxzMDB5MVRwbWFXSnhoU2FpYUk4N3Y2ZUdWMW1QWFhQaXU5Y05UcHp6NmgtNUQtelEtWXNtUlJlSktlTVBENXlhSkJXekx1QXV1REtJanc5SU0?oc=5) · KBRA
- 2026-04-03 [VyStar Credit Union partners with Sporting JAX in multiyear youth soccer deal - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeUMzWGtkV1VRQzl1VzdhSXBBUnIyWElZWnl3ZGlOTWJ2b0hwSEd1S3VlYWlCVHJzWVN6UGhpMy1zaXFhM2FPbkt5cHcwLXhTM0tnNU9HUjJfZVp5RHNNRFJPbEl0Rm1id1VUMkh5R1o3eTBWMWJzRkFwX0dYWkZSekY3SjZUT1RlN2tEODk5YVl6ZGphdzllbXFHWFR1UjJEemZDcWlUdw?oc=5) · The Business Journals
- 2020-05-28 [Top commercial sales of the week - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMijAFBVV95cUxPVnRMbVk2alpyTjdWaXc1ZUp3RWVkT2dOcGFVWVVtaDFpMEdSNlJqVXBMMlhaVnZlVTRsSmIxODRTUG9sUDIwVTZGX05MTlpSd0Z6alBrVFIyeU5sU0RaZ2pUSnIyZkl3UXdpZmVLb05OSTA5ZzV5VGFHTktwSHBFaXRmY3RDdmhUYUJXNA?oc=5) · Jacksonville Daily Record
- 2019-10-18 [Jax Federal Credit Union opens ninth Jacksonville location - CUInsight](https://news.google.com/rss/articles/CBMioAFBVV95cUxQQS0zOUFDcHYxdDNmM1FHV2F6MXZ1aFhyeXNyUGRNc3lUbnpNTTJGYW16RFF1UmZDMC0xMmNUVFVTMnpGYUtIRnVUaEpUU24tMWRvYzVqU2lmMm9CQTVTSURyTW5UZVFqb3F0SmZSS2doTlMweEhOX2JmUlRwUXZHT0tPQjdaQ05TaUxXMHdkSHBhQng5VU94eVN3Qng1Y2Fx?oc=5) · CUInsight
- 2022-01-05 [Braggin' Rights: Kudos to these Nassau County residents - The Florida Times-Union](https://news.google.com/rss/articles/CBMivAFBVV95cUxOd0liRFlvcmhUZkR5RTNJYlo2WkFwdC11ZTE3cW1YdFlvbVUyMGlNS1hGNW9vektpWXZjSjVaUTN4VGR2cEtMWVZwOFBEZDlIOU9jZnZsNklqRk1qLTBJR0YtdE1vSVdUSWVyQ1hUTHJsV0tBcnh1aU5xZ2cydnpDcVZsUmVsc3E0VUFYMElQM0Z6SHB0Ui1vbi13SE50NEdYT0lXanU1YnlFcXZ3MG1zTzVFNVU1SWx3MWJhSg?oc=5) · The Florida Times-Union
- 2026-04-07 [Creatorverse : A Landmark Conference Redefining Jacksonville’s Creative Economy - Issuewire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPREcxX3pqVUNyTGNKR3VKUUNwMld4X29SYlN4RVF5QjZva0t0cDNQU3d2WkZvNnhCWlJpMXJYM2NUbTg2aWZtOXcwOFF6NEZ3aUU4VlpVQXFrSFZkX1kyY0VrMHc5dk9Yem1xQnRoWnl4RV9Ua3BsR04xVlNQMkxCTGdfSkpuREtuejEtVFlNaTdiNjBsUGE4U181T19OVnBURXVudFBENWxDUWZBbzk3SVIzalpMM1VDMEkw?oc=5) · Issuewire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68524 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/44.json (key "68524", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68524
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide