NCUA merger report, Q3 2025
First Coast Community merger into Radiant Credit Union
NCUA's Merger Activity and Insurance Report for Q3 2025 lists First Coast Community, of Palatka, FL, as merging into Radiant Credit Union, of Gainesville, FL. NCUA records the reason as "expanded services". First Coast Community last filed a call report for Q3 2025, with $149.7M in assets and 11,834 members.
Members of First Coast Community become members of Radiant Credit Union. Watch for its notice on new account numbers, cards and online banking.
The two credit unions side by side
| Measure | First Coast CommunityQ3 2025 | Radiant Credit UnionQ2 2026 |
|---|---|---|
| Assets | $149.7M | $1.1B |
| Members | 11,834 | 60,489 |
| Net worth ratio | 13.23% | 9.50% |
| Offices | – | 14 |
| Paid on deposits | – | 1.49% |
| New auto loan rate | – | 4.69% |
| Fee income per member | – | $102 |
Figures for First Coast Community are from its call report for Q3 2025; this page carries only its size and capital. Assets for the report quarter: $151.6M merging, $884.5M continuing.
On our member-value score, built only from call-report data, Radiant Credit Union scores 54.9 out of 100.
Radiant Credit Union offices near Palatka
From NCUA's branch file for Q2 2026, in Palatka first and then elsewhere in FL. Every Radiant Credit Union location
Alachua, FL 1
- Alachua 14520 Nw Us Highway 441, Alachua, FL 32615 Drive-through · ATM
Chiefland, FL 1
- Chiefland 1003 Nw 22Nd Ct, Chiefland, FL 32626 Drive-through · ATM
Gainesville, FL 3
- 43rd Street 2516 Nw 43Rd St, Gainesville, FL 32606 Drive-through · ATM
- Archer Road 6305 Sw Archer Rd, Gainesville, FL 32608 Drive-through · ATM
- Gainesville Main Office 405 Se 2Nd Pl, Gainesville, FL 32601 Drive-through · ATM
Hawthorne, FL 1
- Hawthorne 6005 Se Us Highway 301 Ste 101, Hawthorne, FL 32640 Drive-through · ATM
Live Oak, FL 1
- Live Oak 2231 Ohio Ave N, Live Oak, FL 32064 Drive-through · ATM
Palatka, FL 1
- Palatka 306 S Palm Ave, Palatka, FL 32177 Drive-through · ATM
Source: NCUA Merger Activity and Insurance Report, Q3 2025, and NCUA 5300 call reports. The report quarter is when the approval was listed; the merger may take effect later. Not affiliated with NCUA or either credit union. · All recent mergers · Radiant Credit Union full figures
Questions people ask
Did First Coast Community merge?
Yes. NCUA's Merger Activity and Insurance Report for Q3 2025 lists First Coast Community, of Palatka, FL, as merging into Radiant Credit Union, of Gainesville, FL. Its last call report was for Q3 2025.
Why did First Coast Community merge?
NCUA records the reason as "expanded services". That is the category NCUA's report gives; the credit unions' own merger notice to members explains it in more detail.
What happens to my First Coast Community account?
Members and their accounts move to Radiant Credit Union, which becomes your credit union. Account numbers, the routing number, cards, checks and online banking can change; the notice Radiant Credit Union sends members gives the dates. Keep using your current details until it tells you otherwise.
Is my money still insured?
Yes. Radiant Credit Union is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. If you also had accounts at Radiant Credit Union before the merger, your balances are now at one credit union.