MY PENSACOLA
Charter #8442 · Pensacola, FL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.65% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.10% sits at the 8th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 48th — a 17-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 | MY PENSACOLA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $90.03M | 84th pct | 70th pct |
| Members | 4,758 | 45th pct | 44th pct |
| Net worth ratio | 17.65% | 84th pct | 89th pct |
| Return on average assets | 0.51% | 39th pct | 26th pct |
| Net interest margin | 3.10% | 20th pct | 8th pct |
| Cost of funds | 0.78% | 39th pct | 46th pct |
| Loan-to-share | 44.20% | 20th pct | 36th pct |
| Delinquency 60+ days | 0.40% | 37th pct | 33th pct |
| Net charge-off ratio | 0.40% | 64th pct | 48th pct |
| Loan growth YoY | 1.67% | 76th pct | 84th pct |
| Share growth YoY | 3.38% | 58th pct | 51th pct |
| Efficiency ratio | 84.23% | 63th pct | 72th pct |
structural peer set hash: 2ee700a470fad8908bc11eb2624adac8… (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.