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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,186 / 1,683 | |
| Return on Equity | 2.49% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,294 / 1,681 | |
| Net Interest Margin | 3.11% | 3.31% | 3.82% | 4.32% | Beats 18% | 1,387 / 1,683 | |
| Efficiency Ratio | 86.51% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,246 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 458 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.93% | 10.44% | 12.89% | 16.53% | Beats 80% | 336 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.93% | 10.44% | 12.89% | 16.53% | Beats 80% | 336 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 44.17% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,421 / 1,683 | |
| Loans / Assets | 36.16% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,443 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |