First Commerce
First Commerce is a credit union based in Tallahassee, Florida, established in 1940, with $1.2 billion in total assets serving 73,982 members. By Trust Grade it ranks 79th of 107 credit unions we track in Florida. Its net worth ratio of 10.1% trails most similarly sized credit unions (33th percentile), versus a Florida median of 11.1%. It was profitable over the most recent period, with a 0.54% return on assets. No consumer complaints against First Commerce appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Commerce compares to Florida peers
How we graded First Commerce
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.1% capital ratio)
- Profitable (ROA 0.54%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Commerce over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at First Commerce insured?
Yes. First Commerce is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Commerce: frequently asked questions
Is First Commerce a good credit union?
First Commerce earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Well-capitalized (10.1% capital ratio); Profitable (ROA 0.54%).
Is First Commerce NCUA-insured?
Yes. First Commerce is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is First Commerce?
First Commerce holds $1.2 billion in total assets, ranking 79th of 107 credit unions we track in Florida. It serves 73,982 members.
Does First Commerce have CFPB complaints?
No CFPB complaints against First Commerce appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
