State credit union · Pensacola, Florida · NCUA charter #62417
LOYALTY
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $298.5M
- Total assets
- 19,476
- Members
- 11.3%
- Net-worth ratio
LOYALTY scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $298.5M; members 19,476; net-worth ratio 11.25%; health rank #3,107 of 4,374; healthier than 28th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,107 of 4,374 health · 2025Q4LOYALTY · health 77/100 · $298.5M · 2025Q4
Call Report peers
LOYALTY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LOYALTY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LOYALTY sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where LOYALTY diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.09 pp (0.80% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.59 pp (63.61% vs 72.20%).
Florida standing for LOYALTY
- Health composite ranks #92 of 109 among scored Florida credit unions.
- Assets rank #46 of 109 inside Florida ($298.5M reported).
- Membership ranks #44 of 109 among Florida CUs with a reported count (19,476 members).
- One place up in Florida, TRAX (#91) ties at 77/100; one place down, Broward Healthcare (#93) scores 76/100, 1 point lower.
Quarter path for LOYALTY
LOYALTY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $298.5M (2025Q4) to $302.9M (2026Q1).
- Net-worth ratio shifted +0.06 pp (11.19% → 11.25%).
This credit union's 11.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
LOYALTY gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 11.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.25% | -0.86 pp |
| Delinquency Rate | 0.80% | -0.09 pp |
| Return on Assets | 0.24% | -0.38 pp |
| Member Growth | -5.42% | - |
| Loan-to-Share Ratio | 63.61% | -8.59 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
LOYALTY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $302.9M | - |
| 2025Q4 | $298.5M | 19,476 |
| 2024Q4 | $288.9M | 20,593 |
| 2023Q4 | $301.4M | 22,607 |
Credit Union Details
- Charter Number
- 62417
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Pensacola
- Data Quarter
- 2025Q4
Branch Locations (7)
LOYALTY operates 7 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Home Office (Main Office) | Pensacola, FL |
| Crawfordville | Crawfordville, FL |
| Panama City | Panama City, FL |
| W Street | Pensacola, FL |
| Cordova | Pensacola, FL |
| Appleyard | Tallahassee, FL |
| Capital Circle | Tallahassee, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Other-state peers near LOYALTY
Using this data
- LOYALTY ranks #3,107 of 4,374 nationally on financial health and #92 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GUARDIANS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GUARDIANS
Frequently Asked Questions
Is LOYALTY financially healthy?
LOYALTY has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,107 of 4,374 nationally on health and #92 of 109 in Florida. Its net worth ratio is 11.25% and its delinquency rate 0.80%.
How does LOYALTY compare to other credit unions?
LOYALTY scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.80% vs 0.89%). Its widest shortfall is loan-to-share ratio (63.61% vs 72.20%).
How can I join LOYALTY?
Membership eligibility for LOYALTY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LOYALTY directly for current membership requirements and application steps.
Is my money safe at LOYALTY?
LOYALTY is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. LOYALTY's net worth ratio of 11.25% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.