Side-by-side · Q2 2026 data
Bank of Pensacola vs Eglin Federal Credit Union
Credit union
Eglin Federal Credit Union
Fort Walton Bea, Florida · $1 billion – $10 billion
Metric by metric
| Measure | Bank of Pensacola | Eglin Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 85 (stronger) |
| Capital cushion | 48 | 81 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 61 | 67 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 53rd | 94th |
| Total assets | $147.0M | $3.1B |
| Deposits / shares | $132.6M | $2.7B |
| Capital ratio | 9.84% | 13.06% (stronger) |
| Problem loans | 0.00% (stronger) | 0.35% |
| Net charge-offs | 0.00% (stronger) | 0.47% |
| Return on assets | 1.02% | 1.17% (stronger) |
| Loans ÷ deposits | 60.6% | 34.9% (stronger) |
| Uninsured deposits | 33.7% | 9.9% (stronger) |
| Offices | 2 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Eglin Federal Credit Union has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Pensacola leads on 2 and Eglin Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.