TellerScore

Headquartered in Pensacola, Florida, My Pensacola Federal Credit Union is a federal credit union with $89.1M in total assets and $73.0M in member shares and deposits as of Q2 2026. Its charter dates back to 1953.

Based on its Q2 2026 filing, My Pensacola Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 10th. Its strongest component is capital cushion (100/100; 17.93%), and its lowest is earnings (38/100; 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.93%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity100/100
Loans ÷ shares: 44.2% · 1.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.98%

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 (85 → 85).

TellerScore
828792Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202490
Q4 202485
Q1 202585
Q2 202585
Q3 202582
Q4 202585
Q1 202685
Q2 202685
Net worth ratio
7.00%12.96%18.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.61%
Q3 202418.93%
Q4 202418.61%
Q1 202518.05%
Q2 202517.88%
Q3 202518.07%
Q4 202517.88%
Q1 202617.65%
Q2 202617.93%
Delinquent loans (60+ days)
0.08%0.26%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.08%
Q3 20240.15%
Q4 20240.42%
Q1 20250.17%
Q2 20250.13%
Q3 20250.44%
Q4 20250.14%
Q1 20260.40%
Q2 20260.29%
Return on assets
0.22%0.64%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20240.87%
Q4 20240.52%
Q1 20250.37%
Q2 20250.29%
Q3 20250.22%
Q4 20250.27%
Q1 20260.51%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$89.1M17.93%0.29%0.45%44.2%
Q1 202685$90.0M17.65%0.40%0.51%44.2%
Q4 202585$88.2M17.88%0.14%0.27%46.0%
Q3 202582$86.9M18.07%0.44%0.22%44.9%
Q2 202585$87.7M17.88%0.13%0.29%44.0%
Q1 202585$86.6M18.05%0.17%0.37%44.7%
Q4 202485$83.6M18.61%0.42%0.52%46.7%
Q3 202490$82.8M18.93%0.15%0.87%49.1%
Q2 202492$83.7M18.61%0.08%1.05%48.1%

2,479 peers · Under $100 million in assets

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 ratio17.93%
69th
Problem loans0.29%
69th
Net charge-offs0.46%
29th
Return on assets0.45%
39th
Loans to deposits44.2%
72nd
Uninsured deposits1.8%
46th
Loan-loss reserves0.00%
37th
Texas ratio1.0%
66th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
T M H Federal Credit UnionCredit union Tallahassee, FL59 out of 100, Moderate$87.4M10.1%0.91%vs
Memorial Employees Financial Credit UnionCredit union Hollywood, FL73 out of 100, Strong$92.5M11.1%0.18%vs
Tampa Postal Federal Credit UnionCredit union Tampa, FL69 out of 100, Moderate$98.2M11.0%0.21%vs
Ficare Federal Credit UnionCredit union Wesley Chapel, FL69 out of 100, Moderate$77.4M13.1%0.94%vs
Emerald Coast Federal Credit UnionCredit union Port St Joe, FL60 out of 100, Moderate$65.4M7.8%0.32%vs
Priority Credit UnionCredit union Orlando, FL32 out of 100, Low$56.1M8.6%3.17%vs

Deposit insurance

Is my money safe at My Pensacola Federal Credit Union?

Yes. My Pensacola Federal Credit Union is a federally insured credit union (NCUA charter #8442). 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 1.8% of shares and deposits ($1.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.93%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
My Pensacola Federal Credit Union
Type
Federal credit union
NCUA charter #
8442
RSSD ID
594189
Primary regulator
NCUA
Established
1953
Headquarters
108 S Reus St, Pensacola, FL 32502
Employees
24

Quick answers

My Pensacola Federal Credit Union: common questions

Is My Pensacola Federal Credit Union NCUA insured?

Yes. My Pensacola Federal Credit Union is a federally insured credit union (NCUA charter #8442). 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 My Pensacola 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.