Credit Union Safety Analysis
Is MY Pensacola Federal Credit Union Safe? Pensacola, Florida
Based on its Q2 2026 NCUA 5300 call report, MY Pensacola Federal Credit Union has a net worth ratio of 17.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.29%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, MY Pensacola Federal Credit Union's net worth ratio is 17.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.93%
- Delinquency ratio (60+ days) (Q2 2026): 0.29%
- Return on assets (Q2 2026): 0.38%
- Loan-to-share ratio (Q2 2026): 44.17%
MY Pensacola Federal Credit Union (NCUA charter 8442, established 1953) reported $89.1M in assets and 4,810 members for Q2 2026 from Pensacola, Florida. It ranks 74 of 106 credit unions in Florida by total assets. Total assets grew 1.6% from $87.7M on June 30, 2025. It has 195 more members than on June 30, 2025 (+4.2%). Its net worth ratio was up 0.05 percentage points from 17.88% on June 30, 2025. Used vehicle loans are its largest loan category, $13.2M of $32.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.29% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 17.65% for Q1 2026; 17.88% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.40% for Q1 2026; 0.13% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.51% for Q1 2026; 0.21% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 44.20% for Q1 2026; 43.97% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $13.2M
- 1- to 4-family residential and other consumer real estate loans: $8.7M
- New vehicle loans: $3.2M
- Other unsecured loans and lines of credit: $2.6M
- Other secured non-real estate loans and lines of credit: $2.1M
- Unsecured credit card loans: $2.0M
- Commercial loans: $495K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $89.1M | 17.93% | 0.29% | 0.38% | 44.17% |
| March 31, 2026 | $90.0M | 17.65% | 0.40% | 0.51% | 44.20% |
| December 31, 2025 | $88.2M | 17.88% | 0.14% | 0.40% | 45.98% |
| September 30, 2025 | $86.9M | 18.07% | 0.44% | 0.09% | 44.94% |
| June 30, 2025 | $87.7M | 17.88% | 0.13% | 0.21% | 43.97% |
| March 31, 2025 | $86.6M | 18.05% | 0.17% | 0.37% | 44.73% |
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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.
MY Pensacola Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 8442) · FFIEC NIC profile (RSSD 594189)
Frequently asked questions
Is MY Pensacola Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, MY Pensacola Federal Credit Union's net worth ratio is 17.93%, above the 7% NCUA threshold for well capitalized.
Is MY Pensacola Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. MY Pensacola Federal Credit Union is a federally insured credit union (NCUA charter 8442): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are MY Pensacola Federal Credit Union's key safety ratios?
For Q2 2026, MY Pensacola Federal Credit Union reports net worth 17.93%, delinquency 0.29%, ROA 0.38%, loan-to-share 44.17%.
What happens to my money if MY Pensacola Federal Credit Union fails?
For Q2 2026, MY Pensacola Federal Credit Union held $73.0M in shares and deposits for 4,810 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.