Side-by-side · Q2 2026 data
My Pensacola Federal Credit Union vs Ficare Federal Credit Union
Credit union
My Pensacola Federal Credit Union
Pensacola, Florida · Under $100 million in assets
Credit union
Ficare Federal Credit Union
Wesley Chapel, Florida · Under $100 million in assets
Metric by metric
| Measure | My Pensacola Federal Credit Union | Ficare Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 81 |
| Loan quality | 90 (stronger) | 69 |
| Earnings | 38 (stronger) | 29 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 77th | 38th |
| Total assets | $89.1M | $77.4M |
| Deposits / shares | $73.0M | $65.7M |
| Capital ratio | 17.93% (stronger) | 13.07% |
| Problem loans | 0.29% (stronger) | 0.94% |
| Net charge-offs | 0.46% (stronger) | 0.84% |
| Return on assets | 0.45% (stronger) | 0.22% |
| Loans ÷ deposits | 44.2% (stronger) | 75.3% |
| Uninsured deposits | 1.8% (stronger) | 6.0% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
My Pensacola Federal Credit Union has the higher TellerScore (85 vs 69). On the 7 directional measures above (where higher or lower is clearly better), My Pensacola Federal Credit Union leads on 7 and Ficare Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.