Eglin Federal Credit Union (NCUA charter #9788) is based in Fort Walton Bea, Florida. Its Q2 2026 call report shows $3.1B in total assets and $2.7B in member shares and deposits and 12 offices.
Based on its Q2 2026 filing, Eglin Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 94% of 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 9th. Its strongest component is funding & liquidity (100/100; 35% loans-to-deposits, 10% uninsured), and its lowest is earnings (67/100; 1.17%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (80 → 85), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 82 |
| Q4 2024 | 80 |
| Q1 2025 | 80 |
| Q2 2025 | 80 |
| Q3 2025 | 81 |
| Q4 2025 | 79 |
| Q1 2026 | 83 |
| Q2 2026 | 85 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.13% |
| Q3 2024 | 12.57% |
| Q4 2024 | 12.33% |
| Q1 2025 | 12.42% |
| Q2 2025 | 12.52% |
| Q3 2025 | 12.65% |
| Q4 2025 | 12.59% |
| Q1 2026 | 12.76% |
| Q2 2026 | 13.06% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.35% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.04% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.89% |
| Q3 2025 | 0.93% |
| Q4 2025 | 0.96% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $3.1B | 13.06% | 0.35% | 1.17% | 34.9% |
| Q1 2026 | 83 | $3.1B | 12.76% | 0.31% | 1.01% | 35.1% |
| Q4 2025 | 79 | $3.1B | 12.59% | 0.60% | 0.96% | 36.2% |
| Q3 2025 | 81 | $3.0B | 12.65% | 0.38% | 0.93% | 37.6% |
| Q2 2025 | 80 | $3.0B | 12.52% | 0.39% | 0.89% | 38.6% |
| Q1 2025 | 80 | $2.9B | 12.42% | 0.35% | 0.84% | 39.3% |
| Q4 2024 | 80 | $2.9B | 12.33% | 0.43% | 0.92% | 40.9% |
| Q3 2024 | 82 | $2.8B | 12.57% | 0.40% | 1.04% | 42.5% |
| Q2 2024 | 81 | $2.9B | 12.13% | 0.37% | 1.06% | 42.0% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gte Federal Credit UnionCredit union Tampa, FL | 58 out of 100, Moderate | $3.1B | 11.1% | 1.08% | vs |
| Community First Credit Union of FloCredit union Jacksonville, FL | 73 out of 100, Strong | $3.2B | 12.3% | 0.63% | vs |
| Achieva Credit UnionCredit union Dunedin, FL | 68 out of 100, Moderate | $3.2B | 9.9% | 0.35% | vs |
| Penair Credit UnionCredit union Pensacola, FL | 69 out of 100, Moderate | $2.8B | 11.5% | 0.60% | vs |
| Florida Credit UnionCredit union Gainesville, FL | 75 out of 100, Strong | $2.8B | 12.7% | 0.80% | vs |
| Addition Financial Credit UnionCredit union Lake Mary, FL | 61 out of 100, Moderate | $3.8B | 10.0% | 1.40% | vs |
Deposit insurance
Is my money safe at Eglin Federal Credit Union?
Yes. Eglin Federal Credit Union is a federally insured credit union (NCUA charter #9788). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 9.9% of shares and deposits ($263.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 13.06%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
12 locations
Branches
Eglin Federal Credit Union lists 12 offices in 10 cities. Most locations:
- Crestview, FL (2)
- Fort Walton Beach, FL (2)
- DeFuniak Springs, FL (1)
- Destin, FL (1)
- Eglin AFB, FL (1)
- Hurlburt Field, FL (1)
- Mary Esther, FL (1)
- Navarre, FL (1)
- Niceville, FL (1)
- Pace, FL (1)
Identity & history
Profile
- Legal name
- Eglin Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9788
- RSSD ID
- 91482
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- 838 Eglin Pkwy NE, Fort Walton Bea, FL 32547
- Employees
- 451
Quick answers
Eglin Federal Credit Union: common questions
Is Eglin Federal Credit Union NCUA insured?
Yes. Eglin Federal Credit Union is a federally insured credit union (NCUA charter #9788). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Eglin Federal Credit Union's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Eglin Federal Credit Union have?
12 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Walton Bea
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fnbt BankBank Fort Walton Beach, FL | 79 out of 100, Strong | $628.5M | 11.1% | 0.00% | vs |
| CCB Community BankBank Andalusia, AL | 79 out of 100, Strong | $661.9M | 10.5% | 0.19% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Santa Rosa County Federal Credit UnionCredit union Milton, FL | 78 out of 100, Strong | $223.0M | 13.6% | 1.18% | vs |
| PNB Community BankBank Niceville, FL | 75 out of 100, Strong | $155.2M | 10.3% | 0.04% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |