Tyndall Federal Credit Union Panama City, Florida
Tyndall Federal Credit Union is a federal credit union headquartered in Panama City, FL, established in 1956 (NCUA charter 10754), and it is regulated and insured by the NCUA. At Q2 2026 it reported 101,178 members and total assets of $1.92B (down 1.0% from Q2 2025), the 16th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 13.61% at Q2 2026, in the well capitalized band.
Also written as Tyndall FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 10754
- Headquarters
- Panama City, FL
- Established
- 1956
- Total assets, Q2 2026
- $1.92B
- Assets vs Q2 2025
- -1.0%
- Members, Q2 2026
- 101,178
- Net worth ratio, Q2 2026
- 13.61%
- Latest call report
- Q2 2026, NCUA 5300 · Tyndall Federal Credit Union call report
- Asset rank in state
- 16th of 106 in Florida
- Routing number
- 263183175
- Branches
- 10
It has 9,016 fewer members than on June 30, 2025 (-8.2%). Its net worth ratio was up 1.31 percentage points from 12.30% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $542.1M of $970.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.26% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.61% net worth ratio is above that band's 10.89% median.
Frequently asked about Tyndall Federal Credit Union
How big is Tyndall Federal Credit Union?
At Q2 2026 it reported total assets of $1.92B and 101,178 members.
Where is Tyndall Federal Credit Union headquartered?
It is headquartered in Panama City, FL, United States.
When was Tyndall Federal Credit Union founded?
It was established in 1956, per NCUA records.
Is Tyndall Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10754): 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 Tyndall Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Tyndall Federal Credit Union well capitalized?
Its net worth ratio was 13.61% 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 Tyndall Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.26% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Tyndall Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 59.58% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Panama City, FL 32405
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 10754
- RSSD ID
- 803489
- Members
- 101,178
- Potential members
- 998,431
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 6 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.61% | 10.89% | 83rd top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.79% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 13.13% | 8.07% | 88th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.04% | 3.45% | 25th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 55.35% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.21% | 1.68% | 83rd top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.26% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.25% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 59.58% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.92B total assets against $1.94B; $1.63B total shares and deposits against $1.65B; $970.7M total loans against $961.3M.
$261.5M net worth against $238.9M.
13.61% net worth ratio against 12.30%.
59.58% loan-to-share ratio against 58.14%.
0.26% delinquency ratio against 0.25%.
1.79% return on assets against 1.65%; 13.13% return on equity against 13.45%.
3.04% net interest margin against 2.79%.
101,178 members against 110,194.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.61% | 1.79% | 0.26% | 59.58% |
| March 31, 2026 | 13.20% | 1.04% | 0.28% | 58.19% |
| December 31, 2025 | 13.14% | 0.82% | 0.34% | 60.50% |
| September 30, 2025 | 12.97% | 1.31% | 0.19% | 60.81% |
| June 30, 2025 | 12.30% | 1.65% | 0.25% | 58.14% |
| March 31, 2025 | 11.80% | 0.76% | 0.22% | 57.70% |
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.