My Pensacola

Pensacola, FL · 1 · Charter #8442 · www.MyPensacolaCU.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$88.2M
37th percentile
Members
4,718
22th percentile
Total loans
$33.1M
18th percentile
Total shares
$72.1M
34th percentile

Profitability

Return on assets
0.37%
12th percentile
Net interest margin
2.95%
16th percentile
Efficiency ratio
75.74%
13th percentile
Non-interest income ratio
23.15%
77th percentile

Capital & Risk

Net worth ratio
17.88%
89th percentile
Delinquency rate
0.14%
91th percentile
Net charge-off rate
0.30%
53th percentile
Loan-to-share
45.98%
15th percentile

Growth

Member growth YoY
3.22%
87th percentile
Asset growth YoY
5.60%
65th percentile
Loan growth YoY
4.19%
66th percentile
Share growth YoY
5.79%
70th percentile

Operations

Members / branch
2,359
32th percentile
Assets / member
$18,702
79th percentile
Field of membership penetration
1.42%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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