Federal credit union · Panama City, Florida · NCUA charter #10754
TYNDALL
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.89B
- Total assets
- 102,768
- Members
- 13.2%
- Net-worth ratio
TYNDALL scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.89B; members 102,768; net-worth ratio 13.20%; health rank #2,267 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,267 of 4,374 health · 2025Q4TYNDALL · health 83/100 · $1.89B · 2025Q4
Call Report peers
TYNDALL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TYNDALL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TYNDALL sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
TYNDALL: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.02 pp (13.20% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 60.50% here, 83.90% peer average (-23.40 pp).
Where TYNDALL sits in Florida
- Health composite ranks #73 of 109 among scored Florida credit unions.
- Florida assets place: #16 of 109.
- Florida membership ordinal: #19 of 109.
- One place up in Florida, Madison Education Assoc. (#72) ties at 83/100; one place down, RADIFI (#74) ties at 83/100.
Quarter path for TYNDALL
TYNDALL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $1.89B (2025Q4) to $1.92B (2026Q1).
- Net-worth ratio shifted +0.06 pp (13.14% → 13.20%).
At 13.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
TYNDALL gives up 17 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for TYNDALL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.20% | +2.02 pp |
| Delinquency Rate | 0.34% | -0.54 pp |
| Return on Assets | 0.99% | +0.48 pp |
| Member Growth | -10.79% | - |
| Loan-to-Share Ratio | 60.50% | -23.40 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
TYNDALL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.92B | - |
| 2025Q4 | $1.89B | 102,768 |
| 2024Q4 | $1.89B | 115,197 |
| 2023Q4 | $1.92B | 112,154 |
Credit Union Details
- Charter Number
- 10754
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Florida
- City
- Panama City
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, TYNDALL runs 10 offices in 8 different cities across 2 states.
| Office | City |
|---|---|
| Panama City (Main Office) | Panama City, FL |
| Dothan Westway | Dothan, AL |
| Lynn Haven | Lynn Haven, FL |
| Marianna | Marianna, FL |
| Hillcrest | Mobile, AL |
| Parker | Panama City, FL |
| Tyndall Air Force Base Branch | Panama City, FL |
| Beach | Panama City Beach, FL |
| Port St Joe | Port St Joe, FL |
| Spanish Fort | Spanish Fort, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- TYNDALL ranks #2,267 of 4,374 nationally on financial health and #73 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EDUCATIONAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EDUCATIONAL
Frequently Asked Questions
Is TYNDALL financially healthy?
On its 2025Q4 NCUA 5300 filing, TYNDALL scores 83/100 (Excellent), with a 13.20% net worth ratio and 0.34% of loans delinquent. It ranks #2,267 of 4,374 nationally on health and #73 of 109 in Florida.
How does TYNDALL compare to other credit unions?
TYNDALL scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.20% vs 11.18%). Its widest shortfall is loan-to-share ratio (60.50% vs 83.90%).
How can I join TYNDALL?
TYNDALL 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 TYNDALL directly for the exact boundaries and application steps.
Is my money safe at TYNDALL?
TYNDALL 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. TYNDALL's net worth ratio of 13.20% 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.