FIRST COAST COMMUNITY Credit Union Profile

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FIRST COAST COMMUNITY

Charter #68524 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (386) 328-5555

Fax: (386) 325-1275

Founding Date: N/A

Website: http://www.firstcoastccu.com

Personnel & Operations

President: Howard, Rudy

Manager: Lunsford, Gretchen

FT Employees: 35

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: Lobby Mon - Thurs 9:00 a.m. - 4:00 p.m.???

Credit Union Profile Summary

FIRST COAST COMMUNITY is a FISCU Credit Union. With a total of 11,981 members [1], this institution manages approximately $151,816,902 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.88% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.09% [1].

Financial Snapshot

Total Assets [1]
$151,816,902

Total economic resources.

Total Loans [1]
$48,300,735

Total value of outstanding loans.

Total Deposits [1]
$130,899,756

Total funds deposited by members.

Members [1]
11,981

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.88%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.93%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
36.90%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
1.41%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-3.09%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-0.45%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

306 S Palm Ave

Palatka, FL, 32177

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by FIRST COAST COMMUNITY (Charter #68524).

Main Office

Main Office Main Office

Type: Corporate Office

306 S Palm Ave

Palatka, FL 32177

Phone: (386) 328-5555

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Crescent City

Crescent City Branch Office

Type: Branch Office

112 N Summit St

Crescent City, FL 32112

Phone: (386) 698-1883

Services: Member Services, ATM, Drive-Thru

Open in Directions

St Augustine

St. Augustine Branch Office

Type: Branch Office

1700 US Highway 1 S

St Augustine, FL 32084-6016

Phone: (904) 481-8100

Services: Member Services, ATM, Drive-Thru

Open in Directions