Side-by-side · Q2 2026 data
Tyndall Federal Credit Union vs Innovations Financial Credit Union
Credit union
Innovations Financial Credit Union
Panama City, Florida · $100 million – $1 billion
Metric by metric
| Measure | Tyndall Federal Credit Union | Innovations Financial Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 67 |
| Capital cushion | 86 (stronger) | 45 |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 76 (stronger) | 54 |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 97th | 41st |
| Total assets | $1.9B | $696.1M |
| Deposits / shares | $1.6B | $625.8M |
| Capital ratio | 13.61% (stronger) | 9.49% |
| Problem loans | 0.26% | 0.14% (stronger) |
| Net charge-offs | 0.25% (stronger) | 0.31% |
| Return on assets | 1.41% (stronger) | 0.85% |
| Loans ÷ deposits | 59.6% (stronger) | 86.6% |
| Uninsured deposits | 11.0% (stronger) | 25.6% |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.3% | 18.8% |
Tyndall Federal Credit Union has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Tyndall Federal Credit Union leads on 6 and Innovations Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.