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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 (quarter, annualized)

0.45%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.11%+23 bps YoY

Efficiency Ratio (quarter, annualized)

86.57%-461 bps YoY

Net Worth / Assets

17.93%+5 bps YoY

Discrete quarter, annualized.

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