Federal credit union · Pensacola, Florida · NCUA charter #8442
My Pensacola
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $88.2M
- Total assets
- 4,718
- Members
- 17.6%
- Net-worth ratio
My Pensacola scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $88.2M; members 4,718; net-worth ratio 17.65%; health rank #583 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#583 of 4,374 health · 2025Q4My Pensacola · health 93/100 · $88.2M · 2025Q4
Call Report peers
My Pensacola in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
My Pensacola vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); My Pensacola sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where My Pensacola diverges from peer averages
- Net Worth Ratio leads the peer set - 17.65% here, 13.62% peer average (+4.03 pp).
- Largest lag: Loan-to-Share Ratio at 45.98% vs peer 62.60% (-16.62 pp).
My Pensacola in Florida
- Florida health ordinal: #25 of 109.
- Assets rank #75 of 109 inside Florida ($88.2M reported).
- Membership ranks #78 of 109 among Florida CUs with a reported count (4,718 members).
- One place up in Florida, TRANSPORT (#24) ties at 93/100; one place down, GUARDIANS (#26) ties at 93/100.
How My Pensacola's 5300 filing moved
My Pensacola: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $88.2M (2025Q4) to $90.0M (2026Q1).
- Net-worth ratio shifted -0.23 pp (17.88% → 17.65%).
At 17.65%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
My Pensacola gives up 7 points in total. Loan-to-Share Ratio costs the most, 4.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.9 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 10.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.65% | +4.03 pp |
| Delinquency Rate | 0.14% | -0.82 pp |
| Return on Assets | 0.49% | -0.17 pp |
| Member Growth | 3.22% | - |
| Loan-to-Share Ratio | 45.98% | -16.62 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
My Pensacola quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $90.0M | - |
| 2025Q4 | $88.2M | 4,718 |
| 2024Q4 | $83.6M | 4,571 |
| 2023Q4 | $83.9M | 4,543 |
Credit Union Details
- Charter Number
- 8442
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Florida
- City
- Pensacola
- Data Quarter
- 2025Q4
Branch Locations (2)
My Pensacola operates 2 offices in Pensacola, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Downtown Office (Main Office) | Pensacola, FL |
| Cantonment Office | Pensacola, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near My Pensacola
Using this data
- My Pensacola ranks #583 of 4,374 nationally on financial health and #25 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- T M H is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with T M H
Frequently Asked Questions
Is My Pensacola financially healthy?
On its 2025Q4 NCUA 5300 filing, My Pensacola scores 93/100 (Excellent), with a 17.65% net worth ratio and 0.14% of loans delinquent. It ranks #583 of 4,374 nationally on health and #25 of 109 in Florida.
How does My Pensacola compare to other credit unions?
My Pensacola scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (17.65% vs 13.62%). Its widest shortfall is loan-to-share ratio (45.98% vs 62.60%).
How can I join My Pensacola?
My Pensacola operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact My Pensacola directly for the exact boundaries and application steps.
Is my money safe at My Pensacola?
My Pensacola is a federal 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. My Pensacola's net worth ratio of 17.65% 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.