Community First Federal Credit Union

Community First Federal Credit Union is headquartered in JACKSONVILLE and is the 10^st largest credit union in the state of Florida. It is also the 151^st largest credit union in the nation. It was established in 1961 and as of September of 2011, it had grown to 250 employees and 104,860 members. Community First Federal Credit Union's savings rates are 15% higher than the national average, and it has a 4-star health rating.

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Community First Federal Credit Union CD Rates

Data for Q3 2011

Institution Statistics COMMUNITY FIRST CREDIT UNION OF FLO NCUA # 67290 BankRate Report View Year Established 1961 Employees 250 Primary Regulator Assets and Liabilities Assets $1.13 billion Loans $715.78 million Deposits $1.02 billion Equity Capital $99.44 million Loan Loss Allowance $34.00 million Unbacked Noncurrent Loans $31.05 million Real Estate Owned $518,000 Historic Data - September 2010 Assets $1.11 billion Equity Capital $92.05 million Loan Loss Allowance $30.63 million Unbacked Noncurrent Loans $30.57 million Real Estate Owned $2.85 million Profit Margin - Quarterly Net Interest Margin 4.41% Return on Assets 0.71% Return on Equity 8.14% Interest Income $35.15 million Non-Interest Income $14.79 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Community First Federal Credit Union had $31.57 million in non-current loans and owned real-estate with $133.44 million in equity and loan loss allowances on hand to cover it. This gives Community First Federal Credit Union a Texas Ratio of 23.66% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community First Federal Credit Union held steady from 27.24% as of September 30, 2010 to 23.66% as of September 30, 2011, resulting in a positive change of 13.14%.This indicates that the balance sheet and financial strength for Community First Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Community First Federal Credit Union has increased its total deposits by $21.16 million, resulting in 2.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community First Federal Credit Union has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community First Federal Credit Union has $1.13 billion in assets with $133.44 million in equity, resulting in a capitalization level of 11.76%, which is above average.

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