Credit union · NCUA insured
My Pensacola Credit Union
A $90M credit union headquartered in Pensacola, FL, with 4,758 members and 2 branches in Florida. Best rates: CDs 3.50% and savings 0.30% APY.
My Pensacola Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#12 of 18 in Pensacola, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About My Pensacola Credit Union
- Headquarters
- 108 S Reus St, Pensacola, FL 32502-5718
- NCUA charter
- 8442
Branches
2 branches in Florida
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Florida
2 branches
- Downtown OfficeMain office108 S Reus St, Pensacola, FL 32502Directions
- Cantonment Office10330 Pensacola Blvd, Pensacola, FL 32534Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.93% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.29% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.45% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $44 | $59 | — |
- CapitalNet worth ratio17.93%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.29%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.45%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$44Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of My Pensacola Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.