TellerScore

Headquartered in Pensacola, Florida, Loyalty Credit Union is a federally insured state-chartered credit union with $300.3M in total assets and $263.8M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1962.

Based on its Q2 2026 filing, Loyalty Credit Union scores 75/100, which we describe as strong. That is higher than 66% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 37th. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 0% uninsured), and its lowest is earnings (59/100; 0.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.61%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.66%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity97/100
Loans ÷ shares: 63.4% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.17%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).

TellerScore
576675Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202461
Q4 202464
Q1 202575
Q2 202574
Q3 202574
Q4 202573
Q1 202675
Q2 202675
Net worth ratio
7.00%9.30%11.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.15%
Q3 202410.48%
Q4 202410.63%
Q1 202510.71%
Q2 202511.01%
Q3 202511.20%
Q4 202511.19%
Q1 202611.25%
Q2 202611.61%
Delinquent loans (60+ days)
0.50%0.82%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.11%
Q3 20241.14%
Q4 20240.91%
Q1 20250.89%
Q2 20250.81%
Q3 20250.73%
Q4 20250.80%
Q1 20260.50%
Q2 20260.66%
Return on assets
-0.25%0.67%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.25%
Q3 20240.10%
Q4 20240.25%
Q1 20251.59%
Q2 20251.24%
Q3 20251.07%
Q4 20251.02%
Q1 20260.89%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$300.3M11.61%0.66%0.98%63.4%
Q1 202675$302.9M11.25%0.50%0.89%61.8%
Q4 202573$298.5M11.19%0.80%1.02%63.6%
Q3 202574$295.2M11.20%0.73%1.07%62.4%
Q2 202574$295.6M11.01%0.81%1.24%59.8%
Q1 202575$297.7M10.71%0.89%1.59%59.1%
Q4 202464$288.9M10.63%0.91%0.25%61.1%
Q3 202461$293.9M10.48%1.14%0.10%59.5%
Q2 202457$297.5M10.15%1.11%-0.25%58.5%

1,341 peers · $100 million – $1 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).

Capital ratio11.61%
52nd
Problem loans0.66%
51st
Net charge-offs0.88%
13th
Return on assets0.98%
65th
Loans to deposits63.4%
73rd
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio3.2%
59th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Alive Credit UnionCredit union Jacksonville, FL78 out of 100, Strong$295.5M11.7%0.47%vs
Jetstream Federal Credit UnionCredit union Miami Lakes, FL66 out of 100, Moderate$307.0M10.0%0.32%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Members First Credit Union of FloriCredit union Pensacola, FL93 out of 100, Very strong$315.8M15.4%0.43%vs
Harvesters Federal Credit UnionCredit union Cantonment, FL60 out of 100, Moderate$316.8M9.4%0.83%vs
Gold Coast Federal Credit UnionCredit union Palm Springs, FL75 out of 100, Strong$269.8M11.9%0.43%vs

Deposit insurance

Is my money safe at Loyalty Credit Union?

Yes. Loyalty Credit Union is a federally insured credit union (NCUA charter #62417). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.61%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Loyalty Credit Union lists 7 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Loyalty Credit Union reported 17 home-loan applications under HMDA (LEI 549300FDNZSDIZP9N063): 13 originated ($1,965,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Loyalty Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62417
RSSD ID
669498
Primary regulator
State + NCUA
Established
1962
Headquarters
P O Box 17048, Pensacola, FL 32522
Employees
78

Quick answers

Loyalty Credit Union: common questions

Is Loyalty Credit Union NCUA insured?

Yes. Loyalty Credit Union is a federally insured credit union (NCUA charter #62417). 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 Loyalty Credit Union's TellerScore?

75 out of 100 (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 Loyalty Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Pensacola

InstitutionScoreAssetsCapitalProblem loansCompare
Members First Credit Union of FloriCredit union Pensacola, FL93 out of 100, Very strong$315.8M15.4%0.43%vs
The Warrington BankBank Pensacola, FL88 out of 100, Very strong$173.9M16.7%0.00%vs
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Fnbt BankBank Fort Walton Beach, FL79 out of 100, Strong$628.5M11.1%0.00%vs
Santa Rosa County Federal Credit UnionCredit union Milton, FL78 out of 100, Strong$223.0M13.6%1.18%vs