TYNDALL
Charter #10754 · Panama City, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.04% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.28% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.26% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.82% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 75th — a 33-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TYNDALL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.92B | 43th pct | 75th pct |
| Members | 103,332 | 43th pct | 72th pct |
| Net worth ratio | 13.20% | 83th pct | 66th pct |
| Return on average assets | 1.05% | 76th pct | 74th pct |
| Net interest margin | 3.04% | 30th pct | 16th pct |
| Cost of funds | 1.35% | 31th pct | 49th pct |
| Loan-to-share | 58.19% | 6th pct | 26th pct |
| Delinquency 60+ days | 0.28% | 13th pct | 10th pct |
| Net charge-off ratio | 0.26% | 19th pct | 8th pct |
| Loan growth YoY | -3.15% | 3th pct | 8th pct |
| Share growth YoY | 1.21% | 11th pct | 8th pct |
| Efficiency ratio | 63.82% | 21th pct | 15th pct |
structural peer set hash: 1c2bd4d6a52a0f9f61a1ca09f2ed7b08… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.