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
- CAMELS 83/100
- HEALTH 13.2%
- NW 0.34%
- DELQ 0.99%
- ROA $1.89B
- ASSETS 102,768
- MEM #2,267/4,374
- RANK MONTERRA
- PHOTO 10754
Call Report peers
TYNDALL in the assets neighbourhood
TYNDALL's $1.89B assets sit next to MONTERRA ($1.87B) 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.
TYNDALL 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
83 46th percentile higher than 46% 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
TYNDALL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #10754 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for TYNDALL
TYNDALL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $1.89B (2025Q4) to $1.92B (2026Q1).
- Net-worth ratio shifted +0.06 pp (13.14% → 13.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for TYNDALL - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.89B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- 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 TYNDALL financially healthy?
A 13.20% net worth ratio and a 0.34% delinquency rate feed into TYNDALL's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,267 of 4,374; by total assets it ranks #271 of 4,374 nationally (same basis as /rankings/largest); and #16 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does TYNDALL compare to other credit unions?
PlainCU's health composite puts TYNDALL at 83/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like TYNDALL 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. TYNDALL's net worth ratio of 13.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TYNDALL offer compared to banks?
Credit unions like TYNDALL 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 TYNDALL 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.