Credit Union Safety Analysis
Is Members First Credit Union of Florida Safe? Pensacola, Florida
Based on its Q2 2026 NCUA 5300 call report, Members First Credit Union of Florida has a net worth ratio of 15.39%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.43%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Members First Credit Union of Florida and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Members First Credit Union of Florida's net worth ratio is 15.39%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.39%
- Delinquency ratio (60+ days) (Q2 2026): 0.43%
- Return on assets (Q2 2026): 1.50%
- Loan-to-share ratio (Q2 2026): 51.81%
Members First Credit Union of Florida (NCUA charter 61160, established 1954) reported $315.8M in assets and 19,523 members for Q2 2026 from Pensacola, Florida. It ranks 43 of 106 credit unions in Florida by total assets. Total assets grew 3.3% from $305.7M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 15.08% for Q1 2026; 14.26% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.43% for Q1 2026; 0.17% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.83% for Q1 2026; 1.45% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 50.78% for Q1 2026; 53.46% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $55.0M
- Used vehicle loans: $45.2M
- New vehicle loans: $15.9M
- Unsecured credit card loans: $13.9M
- Other secured non-real estate loans and lines of credit: $4.3M
- Other unsecured loans and lines of credit: $3.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $315.8M | 15.39% | 0.43% | 1.50% | 51.81% |
| March 31, 2026 | $314.4M | 15.08% | 0.43% | 1.83% | 50.78% |
| December 31, 2025 | $310.4M | 14.81% | 0.37% | 2.06% | 51.87% |
| September 30, 2025 | $306.4M | 14.71% | 0.34% | 1.26% | 52.93% |
| June 30, 2025 | $305.7M | 14.26% | 0.17% | 1.45% | 53.46% |
| March 31, 2025 | $300.9M | 14.12% | 0.17% | 1.67% | 54.01% |
Add this badge to your website
Free to use. It shows Members First Credit Union of Florida’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Members First Credit Union of Florida profile
Regulator records: NCUA credit union profile (charter 61160) · FFIEC NIC profile (RSSD 114390)
Frequently asked questions
Is Members First Credit Union of Florida well capitalized?
On its Q2 2026 NCUA 5300 call report, Members First Credit Union of Florida's net worth ratio is 15.39%, above the 7% NCUA threshold for well capitalized.
Is Members First Credit Union of Florida FDIC insured?
No. The FDIC insures banks, not credit unions. Members First Credit Union of Florida is a federally insured credit union (NCUA charter 61160): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Members First Credit Union of Florida's key safety ratios?
For Q2 2026, Members First Credit Union of Florida reports net worth 15.39%, delinquency 0.43%, ROA 1.50%, loan-to-share 51.81%.
What happens to my money if Members First Credit Union of Florida fails?
For Q2 2026, Members First Credit Union of Florida held $265.5M in shares and deposits for 19,523 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.