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
- ROA 93/100
- ASSETS 17.6%
- MEM 0.14%
- RANK 0.49%
- PHOTO $88.2M
- BOOK 4,718
- CHARTER #583/4,374
- NCUSIF AMERICO
- CAMELS 8442
Call Report peers
My Pensacola in the assets neighbourhood
My Pensacola's $88.2M assets sit next to AMERICO ($88.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
My Pensacola - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8442, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How My Pensacola's 5300 filing moved
My Pensacola: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $88.2M (2025Q4) to $90.0M (2026Q1).
- Net-worth ratio shifted -0.23 pp (17.88% → 17.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
My Pensacola's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($88.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is My Pensacola financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, My Pensacola carries a financial health score of 93/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #583 of 4,374; by total assets it ranks #1,934 of 4,374 nationally (same basis as /rankings/largest); and #75 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.65% net worth ratio and a 0.14% delinquency rate.
How does My Pensacola compare to other credit unions?
Five weighted metrics from NCUA filings produce My Pensacola's 93/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like My Pensacola are 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."
What rates does My Pensacola offer compared to banks?
Credit unions like My Pensacola are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact My Pensacola directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.