Community First Credit Union Releases 2025 Annual Report

Institution grew to record $3 billion; loans and assets grew 10% to record high

JACKSONVILLE, Fla., March 25, 2026 - Community First Credit Union presented its 2025 annual financial report at its annual meeting held at its Downtown headquarters on Tuesday, March 24. Community First’s President and CEO Sam Inman gave his first full-year president’s report at the meeting. Community First celebrated 90 years of service in 2025 with record community engagement and donations of volunteer hours and nonprofit grants.

2025 Report Highlights:

• Surpassed $3 billion in assets for the first time, a 10% increase at nearly $289 million.
• Increased its loan portfolio to a historic high of $2.2 billion, a 9.8% increase from 2024.
• Loaned a record $69.8 million to local businesses, an increase of 37%.
• Grew membership to 188,741, a 5.78% increase.
• Increased dividend interest payments to members by nearly 8% to a total of $42 million.
• Community First reported PCA net worth of 12.48%, well above its peers in Florida.
• Increased digital banking use by 5.23% after the successful launch of a new app platform.
• Increased wealth management to a record half billion dollars in assets under management.

“Our expansion into new markets has resulted in record deposits, strengthening our lending capacity and fueling the success of our commercial lending portfolio,” said Sam Inman, president and CEO of Community First. “We are committed to strengthening our communities one member at a time through a best-in-class financial experience, a strong and engaging culture and our growing network across the region.”

In 2025, Community First announced it would seek approval to acquire First Southern Bank (FSBH) which would expand its reach to Southeast Georgia and Central Florida. The deal, expected to be approved in mid-2026, will expand Community First’s locations to 31. As part of its continued expansion to serve members where they live, Community First opened two new branches in 2025– Beachwalk in St. Johns and Callahan in Nassau County. It also launched construction of its Wildlight Branch, and its landmark Murray Hill Branch, an ambitious renovation and adaptive reuse of the former Edgewood Bakery at Post St. and Edgewood Ave.

Inman also reported on the credit union’s extensive community partnerships and philanthropy. In 2025, Community First teammates supported more than 30 nonprofit organizations, volunteered more than 4,200 hours of service in the community, and participated in 560 community events.

Community First Credit Union of Florida is a state-chartered credit union based in Jacksonville serving anyone who lives or works on the First Coast. Community First is one of the largest credit unions in Florida with $3 billion in assets and serving 188,000 members. Community First has 24 locations and more than 450 employees. A not-for-profit, Community First is a full-service financial institution offering banking, loans, mortgages and investments for consumers and businesses across the First Coast. For more, visit www.communityfirstfl.org.