Members First Credit Union of Florida Pensacola, Florida
Members First Credit Union of Florida is a state-chartered credit union headquartered in Pensacola, FL, established in 1954 (NCUA charter 61160), and it is regulated and insured by the NCUA. At Q2 2026 it reported 19,523 members and total assets of $315.8M (up 3.3% from Q2 2025), the 43rd largest of 106 credit unions headquartered in Florida. Its net worth ratio was 15.39% at Q2 2026, in the well capitalized band.
Trade names filed with the NCUA: Members First Credit Union and Members First
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61160
- Headquarters
- Pensacola, FL
- Established
- 1954
- Total assets, Q2 2026
- $315.8M
- Assets vs Q2 2025
- +3.3%
- Members, Q2 2026
- 19,523
- Net worth ratio, Q2 2026
- 15.39%
- Latest call report
- Q2 2026, NCUA 5300 · Members First Credit Union of Florida call report
- Asset rank in state
- 43rd of 106 in Florida
- Routing number
- 263281624
- Branches
- 7
It has 10 more members than on June 30, 2025 (+0.1%). Its net worth ratio was up 1.13 percentage points from 14.26% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $55.0M of $137.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.43% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.39% net worth ratio is above that band's 11.43% median.
Credit unions merged into Members First Credit Union of Florida
Frequently asked about Members First Credit Union of Florida
How big is Members First Credit Union of Florida?
At Q2 2026 it reported total assets of $315.8M and 19,523 members.
Where is Members First Credit Union of Florida headquartered?
It is headquartered in Pensacola, FL, United States.
When was Members First Credit Union of Florida founded?
It was established in 1954, per NCUA records.
Is Members First Credit Union of Florida FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61160): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Members First Credit Union of Florida?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Members First Credit Union of Florida well capitalized?
Its net worth ratio was 15.39% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Members First Credit Union of Florida's delinquency ratio?
Its delinquency ratio was 0.43% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Members First Credit Union of Florida's loan-to-share ratio?
Its loan-to-share ratio was 51.81% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Pensacola, FL 32502
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 61160
- RSSD ID
- 114390
- Members
- 19,523
- Potential members
- 588,894
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.39% | 11.43% | 86th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.50% | 0.81% | 84th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.77% | 7.02% | 74th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.90% | 3.70% | 62nd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 67.07% | 76.55% | 78th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.63% | 1.24% | 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.43% | 0.68% | 71st above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.53% | 4.92% | 25th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 51.81% | 75.66% | 12th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$315.8M total assets against $305.7M; $265.5M total shares and deposits against $260.9M; $137.6M total loans against $139.5M.
$48.6M net worth against $43.6M.
15.39% net worth ratio against 14.26%.
51.81% loan-to-share ratio against 53.46%.
0.43% delinquency ratio against 0.17%.
1.50% return on assets against 1.45%; 9.77% return on equity against 10.12%.
3.90% net interest margin against 3.89%.
19,523 members against 19,513.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.39% | 1.50% | 0.43% | 51.81% |
| March 31, 2026 | 15.08% | 1.83% | 0.43% | 50.78% |
| December 31, 2025 | 14.81% | 2.06% | 0.37% | 51.87% |
| September 30, 2025 | 14.71% | 1.26% | 0.34% | 52.93% |
| June 30, 2025 | 14.26% | 1.45% | 0.17% | 53.46% |
| March 31, 2025 | 14.12% | 1.67% | 0.17% | 54.01% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.