TellerScore

Members First Credit Union of Flori is a federally insured state-chartered credit union headquartered in Pensacola, Florida, in business for about 72 years. At the end of Q2 2026 it reported $315.8M in total assets and $265.5M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Members First Credit Union of Flori scores 93/100, which we describe as very strong. That is higher than 97% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 1st. Its strongest component is capital cushion (100/100; 15.39%), and its lowest is earnings (86/100; 1.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.39%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings86/100
Return on assets (annualized): 1.66%
Funding & liquidity100/100
Loans ÷ shares: 51.8% · 8.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.32%

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 (93 → 93).

TellerScore
859095Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202489
Q4 202489
Q1 202593
Q2 202593
Q3 202592
Q4 202593
Q1 202695
Q2 202693
Net worth ratio
7.00%11.20%15.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.50%
Q3 202413.86%
Q4 202414.07%
Q1 202514.12%
Q2 202514.26%
Q3 202514.71%
Q4 202514.81%
Q1 202615.08%
Q2 202615.39%
Delinquent loans (60+ days)
0.17%0.36%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.28%
Q4 20240.34%
Q1 20250.17%
Q2 20250.17%
Q3 20250.34%
Q4 20250.37%
Q1 20260.43%
Q2 20260.43%
Return on assets
1.28%1.55%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.28%
Q3 20241.30%
Q4 20241.33%
Q1 20251.67%
Q2 20251.55%
Q3 20251.45%
Q4 20251.59%
Q1 20261.83%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$315.8M15.39%0.43%1.66%51.8%
Q1 202695$314.4M15.08%0.43%1.83%50.8%
Q4 202593$310.4M14.81%0.37%1.59%51.9%
Q3 202592$306.4M14.71%0.34%1.45%52.9%
Q2 202593$305.7M14.26%0.17%1.55%53.5%
Q1 202593$300.9M14.12%0.17%1.67%54.0%
Q4 202489$293.1M14.07%0.34%1.33%56.0%
Q3 202489$291.3M13.86%0.28%1.30%55.8%
Q2 202485$291.7M13.50%0.54%1.28%55.8%

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 ratio15.39%
87th
Problem loans0.43%
71st
Net charge-offs0.48%
37th
Return on assets1.66%
92nd
Loans to deposits51.8%
88th
Uninsured deposits8.0%
29th
Loan-loss reserves0.00%
50th
Texas ratio1.3%
85th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Harvesters Federal Credit UnionCredit union Cantonment, FL60 out of 100, Moderate$316.8M9.4%0.83%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Jetstream Federal Credit UnionCredit union Miami Lakes, FL66 out of 100, Moderate$307.0M10.0%0.32%vs
Loyalty Credit UnionCredit union Pensacola, FL75 out of 100, Strong$300.3M11.6%0.66%vs
Alive Credit UnionCredit union Jacksonville, FL78 out of 100, Strong$295.5M11.7%0.47%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 Members First Credit Union of Flori?

Yes. Members First Credit Union of Flori is a federally insured credit union (NCUA charter #61160). 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 8.0% of shares and deposits ($21.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Members First Credit Union of Flori lists 5 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members First Credit Union of Flori
Type
Federally insured state-chartered credit union
NCUA charter #
61160
RSSD ID
114390
Primary regulator
State + NCUA
Established
1954
Headquarters
P. O. Box 12983, Pensacola, FL 32591
Employees
81

Quick answers

Members First Credit Union of Flori: common questions

Is Members First Credit Union of Flori NCUA insured?

Yes. Members First Credit Union of Flori is a federally insured credit union (NCUA charter #61160). 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 Members First Credit Union of Flori's TellerScore?

93 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 Members First Credit Union of Flori have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Pensacola

InstitutionScoreAssetsCapitalProblem loansCompare
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
Loyalty Credit UnionCredit union Pensacola, FL75 out of 100, Strong$300.3M11.6%0.66%vs