TellerScore

Pinellas Federal Credit Union is a federal credit union headquartered in Largo, Florida, in business for about 70 years. At the end of Q2 2026 it reported $170.4M in total assets and $147.3M in member shares and deposits, with 2 offices.

Pinellas Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 46th. Funding & liquidity contributes the most (94/100, 67% loans-to-deposits, 0% uninsured); earnings contributes the least (43/100, 0.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.10%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.92%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity94/100
Loans ÷ shares: 66.6% · 0.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.04%

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 fell 5 points (78 → 73), mostly because the earnings component weakened by 15 points.

TellerScore
727781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202472
Q1 202581
Q2 202578
Q3 202578
Q4 202578
Q1 202674
Q2 202673
Net worth ratio
7.00%10.05%13.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.31%
Q3 202412.06%
Q4 202411.86%
Q1 202512.15%
Q2 202512.26%
Q3 202512.59%
Q4 202512.72%
Q1 202612.81%
Q2 202613.10%
Delinquent loans (60+ days)
0.47%0.70%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20240.52%
Q4 20240.70%
Q1 20250.60%
Q2 20250.64%
Q3 20250.47%
Q4 20250.49%
Q1 20260.79%
Q2 20260.92%
Return on assets
0.46%0.90%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.47%
Q4 20240.46%
Q1 20251.34%
Q2 20250.96%
Q3 20250.80%
Q4 20250.77%
Q1 20260.63%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$170.4M13.10%0.92%0.57%66.6%
Q1 202674$172.5M12.81%0.79%0.63%67.3%
Q4 202578$171.6M12.72%0.49%0.77%68.6%
Q3 202578$171.0M12.59%0.47%0.80%65.7%
Q2 202578$175.5M12.26%0.64%0.96%61.4%
Q1 202581$175.0M12.15%0.60%1.34%61.7%
Q4 202472$174.4M11.86%0.70%0.46%61.1%
Q3 202474$169.9M12.06%0.52%0.47%64.3%
Q2 202473$166.6M12.31%0.73%0.56%68.2%

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 ratio13.10%
70th
Problem loans0.92%
34th
Net charge-offs0.34%
52nd
Return on assets0.57%
36th
Loans to deposits66.6%
68th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio4.0%
51st

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Priorityone Credit Union of FloridaCredit union Sunrise, FL73 out of 100, Strong$162.2M10.9%0.56%vs
First Choice Credit UnionCredit union West Palm Beach, FL68 out of 100, Moderate$161.3M10.4%0.60%vs
Calhoun Liberty Credit UnionCredit union Blountstown, FL74 out of 100, Strong$179.8M10.7%0.01%vs
Hello Credit UnionCredit union Panama City, FL80 out of 100, Strong$159.9M14.3%0.32%vs
Miami Postal Service Credit UnionCredit union Miami, FL64 out of 100, Moderate$184.3M9.3%0.26%vs
Blue Coast Federal Credit UnionCredit union Perry, FL66 out of 100, Moderate$188.5M9.7%0.46%vs

Deposit insurance

Is my money safe at Pinellas Federal Credit Union?

Yes. Pinellas Federal Credit Union is a federally insured credit union (NCUA charter #10880). 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 13.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Pinellas Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pinellas Federal Credit Union
Type
Federal credit union
NCUA charter #
10880
RSSD ID
192884
Primary regulator
NCUA
Established
1956
Headquarters
350 E Bay Drive, Largo, FL 33770
Employees
23

Quick answers

Pinellas Federal Credit Union: common questions

Is Pinellas Federal Credit Union NCUA insured?

Yes. Pinellas Federal Credit Union is a federally insured credit union (NCUA charter #10880). 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 Pinellas Federal Credit Union's TellerScore?

73 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 Pinellas Federal Credit Union have?

2 offices as of the latest NCUA data.