# TYNDALL
Panama City, FL · NCUA charter 10754 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tyndall-10754

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 103,332 members of 996,277 potential (10.4% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.92B |
| Members | 103,332 (-7.0% YoY) |
| Full-time staff | 219 |
| Net worth | $253.0M |
| Net worth ratio | 13.2% (p84 of band) |
| ROA (annualized) | 1.04% (p76 of band) |
| Total delinquency | 0.28% (p13 of band) |
| Net charge-offs (annualized) | 0.27% (p20 of band) |
| Loans / shares | 58% (p6 of band) |
| Cash / assets | 3.5% |
| Borrowings / assets | 3.14% |
| Net interest margin | 3.02% (p30 of band) |
| Operating expense / assets | 2.50% (p17 of band) |
| Vehicles % of loans | 32% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 7% (p12 of band) |
| Vehicle delinquency | 0.16% (p7 of band) |
| Vehicle NCO | 0.24% (p6 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 22% |
| Average share balance | $7,869 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $13.0M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $15,104 |
| Loans granted, annualized | $253.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $13.0M outstanding purchased (5.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -3.1% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | thin capital, delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 0 |  | thin capital |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | margin squeeze |  |
| 2020-09 | 3 | net worth falling, leaning on borrowings |  |
| 2020-12 | 2 |  | leaning on borrowings |
| 2021-03 | 2 | leaning on borrowings | margin squeeze |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | assets shrinking |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | leaning on borrowings |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 2 | net worth falling, delinquency rising |  |
| 2025-06 | 2 | members leaving | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-30 [Tyndall Federal Credit Union celebrates 70 years - WJHG](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOODRoX0k4RzRzVEotOW5Wb3JwX2FKRG9nUm9NYXhyNGZ5cmdnNU9vSHJ2UzMtQWZzQ0xranNNdGx3cEdEU2NtbzlrdHdoUzlxeWhZdHVLUEdBSFVDV3dObFlTMjg0RUFOQ0xPc0NvRjlZRXFSbERMczdiclJRalN2Q1J4VTdWdDNE0gGcAUFVX3lxTE9FUnZveFdJS3VDZUM1dzRBaFlOTHdmVFFieWlmdm8zeEtva2ZqZGlONXpKM3pQbFhOZ0pINk05VUpWUUNhTFBhakp1RmtwYzdvZXhvMTBLWDFZOC1qTms3VFpRR1B4N1JWdXBxNnRERThSS0c1LWo4MkloSDNVRjZ6VVY1cnNnQmpPR081LTVYZnFBZ004WmM4Ni15Ng?oc=5) · WJHG
- 2025-10-01 [Tyndall Federal Credit Union offers relief programs for government workers affected by shutdown - WJHG](https://news.google.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?oc=5) · WJHG
- 2023-12-13 [Tyndall Breaks Credit Union Profit-Share Giveback Record - Business Wire](https://news.google.com/rss/articles/CBMiswFBVV95cUxOODIyOXQwelFxRkEweDFjZUxjUkFvcUZfLXZhQi0yT1F1MmtDbjZ0NnZKXzc5SlJScmQxc3gzYjFueGltNmRKakdMZUphaUhkYkwyYTA5STRrOWNXWm1sdnRrOFprWjY2b3RDeHI0TGpfd24zZU1sOVBBT0JzWWUtc0k2WnRrc1RYTDJ2Q3ZTcFNzWmpERDc3c0lSMDl1M1R6b0JRSXc5ZldSc0REcDA2cXF5VQ?oc=5) · Business Wire
- 2024-12-11 [Tyndall Federal Credit Union gave members a holiday bonus - mypanhandle.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxNWWRfb2QxaHRZVWZaS25xaEY2SHlraTVzclBmX09SZHB3R1d4NzJxRjRMRVZfci13REx5Z3lHOUVCVWhEYmxHaGhCd3FKMUdoYVU3YUdqSkVEX3JucVA1N2hmeGl2aE1ZVUgxcGphNlMwV2tpYi1pY1J1Q2ZISUVwSkJIejVnU2NQRHNJOXAxSl9neDhUSkREbVhJUkNlUS1iTUtZNV9FZ2NRQjdmMUJzbVJEONIBuAFBVV95cUxOUlR3bXNUc1FpOU5OYW15VW1ESDlXR1YtV2tlc29PTTZEQkJTeXlSNFVJSEJJaUtIclEtNXNjUVZweUEzUW9ySTNHa2pxR0kyV0tiaTkzVHVVSldKR3pNT3I2dXJMSnlzeGU4Q3dJMkNyWGhfUjRmRUVvUzdPNThWTllXd1Nmb0l4eXN0Q1hEVEZ6dDdMTDhDS3JWanh6S0JPQlhZMHVWV0ktYlFGeEtlRHFpZzl6Zi0t?oc=5) · mypanhandle.com
- 2025-07-21 [TEACHERS FEDERAL CREDIT UNION FURTHERS EXPANSION EFFORTS WITH OPENING OF NAPLES, FLORIDA BRANCH - Yahoo Finance](https://news.google.com/rss/articles/CBMijAFBVV95cUxQd3NjOFh4Rll2QWJUMkhHM1BHNEk0MTU1NTZ6WjFkT2RPREYxQ1BxckV4LURlc25WQ3JsMWtsSEkzaW9uaGdWRzZ2eGxrM3lhTVlsb1FPZ3pOWUl3a3FsTG5YQ3Nma0gyTVNmWHk4VHh5dHJ3amhzSUJUZzBzM1dqaHZXNzBiSUJuX2c5bQ?oc=5) · Yahoo Finance
- 2023-12-13 [Tyndall Credit Union gave back to members for the holidays - mypanhandle.com](https://news.google.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?oc=5) · mypanhandle.com
- 2024-12-11 [Tyndall Federal Credit Union End-of-Year Giveback Day shares $16 million with members - WJHG](https://news.google.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?oc=5) · WJHG
- 2022-12-13 [O. Carver Byrd Obituary - Panama City News Herald](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBLV2NpQ25DQUxrbXFvazdCWV90UWZ5WExjX1FHUGZsaWJ3c1hOcVJ5a0NONFBJbWFMUHR3U2xHc2pxcE4zUHRpODh0WVI3UkZycE1GQ0RpYWFUMlJLM1E?oc=5) · Panama City News Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10754 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/2.json (key "10754", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=10754
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide