MEMBERS FIRST CREDIT UNION OF FLORI
Charter #61160 · Pensacola, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.84% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.17% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.43% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.92% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 33rd — a 20-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 | MEMBERS FIRST CREDIT UNION OF FLORI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $314.42M | 75th pct | 82th pct |
| Members | 19,401 | 76th pct | 74th pct |
| Net worth ratio | 15.08% | 85th pct | 74th pct |
| Return on average assets | 1.84% | 94th pct | 92th pct |
| Net interest margin | 3.81% | 60th pct | 59th pct |
| Cost of funds | 0.17% | 9th pct | 10th pct |
| Loan-to-share | 50.78% | 13th pct | 33th pct |
| Delinquency 60+ days | 0.43% | 34th pct | 23th pct |
| Net charge-off ratio | 0.49% | 63th pct | 51th pct |
| Loan growth YoY | -2.08% | 24th pct | 41th pct |
| Share growth YoY | 2.06% | 28th pct | 30th pct |
| Efficiency ratio | 63.92% | 13th pct | 11th pct |
structural peer set hash: e17a11b925e5415bd946f4d6efc533e0… (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.