Side-by-side · Q2 2026 data
My Pensacola Federal Credit Union vs Memorial Employees Financial Credit Union
Credit union
My Pensacola Federal Credit Union
Pensacola, Florida · Under $100 million in assets
Credit union
Memorial Employees Financial Credit Union
Hollywood, Florida · Under $100 million in assets
Metric by metric
| Measure | My Pensacola Federal Credit Union | Memorial Employees Financial Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 90 | 94 (stronger) |
| Earnings | 38 (stronger) | 33 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 77th | 47th |
| Total assets | $89.1M | $92.5M |
| Deposits / shares | $73.0M | $83.6M |
| Capital ratio | 17.93% (stronger) | 11.08% |
| Problem loans | 0.29% | 0.18% (stronger) |
| Net charge-offs | 0.46% | 0.29% (stronger) |
| Return on assets | 0.45% (stronger) | 0.33% |
| Loans ÷ deposits | 44.2% (stronger) | 49.9% |
| Uninsured deposits | 1.8% (stronger) | 4.3% |
| Offices | 0 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
My Pensacola Federal Credit Union has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), My Pensacola Federal Credit Union leads on 5 and Memorial Employees Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.