Sep, 30, 2025 — FIRST COAST COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in PALATKA, FL with 3 branch locations and about $149.68 million in total assets. Opened 78 years ago in 1948, FIRST COAST COMMUNITY CREDIT UNION has about 11,834 members and employs 34 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST COAST COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 306 S Palm Ave PALATKA, FL 32177 |
| Phone: | (386) 328-5555 |
| Fax: | (386) 325-1275 |
| Website: | https://www.firstcoastccu.com |
| Branches: | 3 branch locations |
| Members: | 11,834 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68524 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1948 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $149,676,226 |
| CEO/Manager: | Gretchen Lunsford |
| Chairperson: | Rudy Howard |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 11,054,042 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 5,959,771 |
| Unsecured Loans | 6,038,384 |
| Other Loans | 29,346,040 |
| TOTAL LOANS | 47,634,663 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -419,320 |
| Land And Building | 2,160,065 |
| Other Fixed Assets | 381,922 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,255,329 |
| All Other Assets | 24,649 |
| TOTAL ASSETS | 149,676,226 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 888,499 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 30,266,440 |
| Regular shares | 76,339,418 |
| All Other Shares & Deposits | 22,596,777 |
| TOTAL SHARES & DEPOSITS | 129,202,633 |
| TOTAL LIABILITIES | 130,091,132 |
| Regular Reserve | 0 |
| Other Reserves | 959,019 |
| Undivided Earnings | 18,626,075 |
| TOTAL EQUITY | 19,585,094 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 149,676,226 |
| INCOME & EXPENSE | |
| Loan Income | 2,533,497 |
| Investment Income | 2,253,610 |
| Other Income | 932,371 |
| Total Employee Compensation & Benefits | 1,983,632 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,134,004 |
| Non-operating Income & (Expense) | 17,050 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 217,302 |
| Cost of Funds | 558,924 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 927,777 |
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