Members First Credit Union of Flori
Pensacola, FL · Charter 61160 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$315.8MAssets
$137.6MLoans
$265.5MShares
$48.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 89% of credit unions under $1B in assets (rank 177 of 1683).
- Widest gap: net interest margin trails 50% of credit unions under $1B in assets (rank 835 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.66%
Rank 177 of 1,683
Net Interest Margin
3.83%
Rank 835 of 1,683
Efficiency Ratio
65.50%
Rank 309 of 1,682
Equity / Assets
15.39%
Rank 512 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.35% | 0.74% | 1.18% | Beats 89% | 177 / 1,683 | | |
| Return on Equity | 10.79% | 2.67% | 5.89% | 8.74% | Beats 87% | 220 / 1,681 | | |
| Net Interest Margin | 3.83% | 3.31% | 3.82% | 4.32% | Beats 50% | 835 / 1,683 | | |
| Efficiency Ratio | 65.50% | 68.91% | 78.20% | 86.93% | Beats 82% | 309 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.26% | 0.65% | 1.29% | Beats 64% | 611 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.39% | 10.44% | 12.89% | 16.53% | Beats 70% | 512 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.39% | 10.44% | 12.89% | 16.53% | Beats 70% | 512 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.81% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,285 / 1,683 | | |
| Loans / Assets | 43.56% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,282 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |