Credit Union Safety Analysis
Is Tyndall Federal Credit Union Safe? Panama City, Florida
Based on its Q2 2026 NCUA 5300 call report, Tyndall Federal Credit Union has a net worth ratio of 13.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.26%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Tyndall Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Tyndall Federal Credit Union's net worth ratio is 13.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.61%
- Delinquency ratio (60+ days) (Q2 2026): 0.26%
- Return on assets (Q2 2026): 1.79%
- Loan-to-share ratio (Q2 2026): 59.58%
Tyndall Federal Credit Union (NCUA charter 10754, established 1956) reported $1.92B in assets and 101,178 members for Q2 2026 from Panama City, Florida. It ranks 16 of 106 credit unions in Florida by total assets. Total assets fell 1.0% from $1.94B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 13.20% for Q1 2026; 12.30% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.28% for Q1 2026; 0.25% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.04% for Q1 2026; 1.65% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 58.19% for Q1 2026; 58.14% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $542.1M
- Used vehicle loans: $188.5M
- New vehicle loans: $132.2M
- Unsecured credit card loans: $75.0M
- Other unsecured loans and lines of credit: $18.7M
- Other secured non-real estate loans and lines of credit: $14.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.92B | 13.61% | 0.26% | 1.79% | 59.58% |
| March 31, 2026 | $1.92B | 13.20% | 0.28% | 1.04% | 58.19% |
| December 31, 2025 | $1.89B | 13.14% | 0.34% | 0.82% | 60.50% |
| September 30, 2025 | $1.89B | 12.97% | 0.19% | 1.31% | 60.81% |
| June 30, 2025 | $1.94B | 12.30% | 0.25% | 1.65% | 58.14% |
| March 31, 2025 | $1.96B | 11.80% | 0.22% | 0.76% | 57.70% |
Add this badge to your website
Free to use. It shows Tyndall Federal Credit Union’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.
Tyndall Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10754) · FFIEC NIC profile (RSSD 803489)
Frequently asked questions
Is Tyndall Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tyndall Federal Credit Union's net worth ratio is 13.61%, above the 7% NCUA threshold for well capitalized.
Is Tyndall Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tyndall Federal Credit Union is a federally insured credit union (NCUA charter 10754): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tyndall Federal Credit Union's key safety ratios?
For Q2 2026, Tyndall Federal Credit Union reports net worth 13.61%, delinquency 0.26%, ROA 1.79%, loan-to-share 59.58%.
What happens to my money if Tyndall Federal Credit Union fails?
For Q2 2026, Tyndall Federal Credit Union held $1.63B in shares and deposits for 101,178 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.