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My Pensacola

Pensacola, FL · Charter 8442

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

80

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

My Pensacola

Pensacola, FL · Charter 8442

NCUA · 2 branches

Q2 2026

$89.1MAssets
$32.2MLoans
$73.0MShares
$16.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.45%, up 16 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.29% of loans (+16 bps YoY).
  • Capital: net worth / assets of 17.93%, up 5 bps from a year ago.
  • Funding: loans stand at 44.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+23 bps YoY

Efficiency Ratio (YTD, annualized)

86.57%-461 bps YoY

Net Worth / Assets

17.93%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.22%0.27%0.51%0.45%+16 bps
Return on Equity1.61%1.24%1.48%2.88%2.49%+88 bps
Net Interest Margin2.88%2.98%2.95%3.06%3.11%+23 bps
Efficiency Ratio91.18%90.64%90.82%84.23%86.57%-461 bps
Growth
Asset Growth (YoY)4.81%4.96%5.60%3.94%1.59%-321 bps
Loan Growth (YoY)-3.26%-3.45%4.19%2.61%1.56%+483 bps
Share Growth (YoY)5.75%5.40%5.79%3.83%1.11%-464 bps
Asset Quality
Delinquent Loans / Loans0.13%0.44%0.14%0.40%0.29%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.88%18.07%17.88%17.65%17.93%+5 bps
Net Worth / Assets17.88%18.07%17.88%17.65%17.93%+5 bps
Liquidity & Funding
Loans / Shares43.97%44.94%45.98%44.20%44.17%+20 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

My Pensacola

Pensacola, FL · Charter 8442 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$89.1MAssets
$32.2MLoans
$73.0MShares
$16.0MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 80% of credit unions under $1B in assets (rank 336 of 1683).
  • Widest gap: net interest margin trails 82% of credit unions under $1B in assets (rank 1387 of 1683).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.45%

Rank 1,186 of 1,683

Net Interest Margin

3.11%

Rank 1,387 of 1,683

Efficiency Ratio

86.51%

Rank 1,246 of 1,682

Equity / Assets

17.93%

Rank 336 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%0.35%0.74%1.18%Beats 30%1,186 / 1,683
Return on Equity2.49%2.67%5.89%8.74%Beats 23%1,294 / 1,681
Net Interest Margin3.11%3.31%3.82%4.32%Beats 18%1,387 / 1,683
Efficiency Ratio86.51%68.91%78.20%86.93%Beats 26%1,246 / 1,682
Asset Quality
Nonperforming Loans / Loans0.29%0.26%0.65%1.29%Beats 73%458 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.93%10.44%12.89%16.53%Beats 80%336 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.93%10.44%12.89%16.53%Beats 80%336 / 1,683
Liquidity & Funding
Loans / Deposits44.17%52.61%69.38%83.50%16th pctl1,421 / 1,683
Loans / Assets36.16%44.71%59.18%70.72%14th pctl1,443 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution