# MY PENSACOLA
Pensacola, FL · NCUA charter 8442 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/my-pensacola-8442

Who the members are: federal charter, community charter, organized 1953, low-income designated. 4,758 members of 333,834 potential (1.4% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $90.0M |
| Members | 4,758 (4.1% YoY) |
| Full-time staff | 22 |
| Net worth | $15.9M |
| Net worth ratio | 17.6% (p84 of band) |
| ROA (annualized) | 0.51% (p40 of band) |
| Total delinquency | 0.40% (p37 of band) |
| Net charge-offs (annualized) | 0.40% (p64 of band) |
| Loans / shares | 44% (p20 of band) |
| Cash / assets | 40.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.06% (p20 of band) |
| Operating expense / assets | 3.57% (p51 of band) |
| Vehicles % of loans | 50% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p57 of band) |
| Vehicle delinquency | 0.52% (p47 of band) |
| Vehicle NCO | 0.61% (p71 of band) |
| Repossessed % of vehicle book | 0.25% (p93 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 17% |
| Average share balance | $7,647 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.2M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $9,638 |
| Loans granted, annualized | $16.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.2M outstanding purchased (13.6% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 3.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2025-03-17 [Ribbon Cutting Held For New Credit Union Branch In Cantonment - NorthEscambia.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSWVLOVlJSlhlT19VbnMyUGpLMDdmaHRzUU1ZZlRnY2RQMmhpQ2VHdUlCZndNOGJVM3NwMUZ3MHRqeTVibVVkQVRJX3lnWWdldG9rQmNvOEhBSktrYTM3ZUFnZ3NKdDAtWHJZUU5Tc0NvNGhJc2pYSnRMTnRObTQxeEdyenIxLTBLUlNUMHd6dXg1dw?oc=5) · NorthEscambia.com
- 2024-02-01 [My Pensacola Credit Union and Friends of West Florida Public Library fight for literacy - Pensacola News Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNWFhhQ3hhQjRqbGNQTHd6Yk54TXVIaWpYNkFVZDJzUEpoSHpoUG1qajdsR0hYMXl4SkNmdlBlU2RyQUxIOUVtNU41cTVsMWNfWWlTX19uV3pkaDhKVHBEb3NVaWRQV3k3UUpodDY2RnZ1aEt1V2V6alpxZ0pXSGl1MlY5UXBJTlFuQlEyVlVIM2h4SXVHSEZWUlZDQzNPX2RYWk5GWmNlVlpuZ0ozZTRtS1pxQmNEcFdFd3pJX2pwXzNmd09rQVMzNUJfNExpa2VTdGc5bnNOQ1duM0Q3SGc?oc=5) · Pensacola News Journal
- 2024-07-19 [Thomas DeFranco, Obituary - Pensacola, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQX3VVRy1lQXFGX2M4Qk9qNFdkdEFvSFprdjlTNzZUTEhvZjQ0ZTRIRExxYVhSNUo4bjFxeGw0MV9MT2dCdHRzWlVOSDl0akpvNWdNVV9yc0VVUTN3QmV6eEtwamJzV0Z5T1BPQ1EtdHhKdzBlZ0dRbVZjUkttQXRkZzAtX3UxZTg?oc=5) · Dignity Memorial
- 2021-09-26 [Cecil Lanier Obituary (1937 - 2020) - Pensacola, FL - the Pensacola News Journal - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOOG96bjVmWERsRmhyN2l6enA4ODhDLTB6U3U1dTIwV1h1Z2JiUFkzTjUwdFU5R09CY0gwaUtCQUVsSTVxZlJWcDY4NWJITGFOcVNWRHMyTFVkZWtHcUxtQUhCd3RrbWt2amdHcjRLYXRXWW9ZRElxZ2lyZzJnRGhHSWFSOXF3ZUQ2bE1qU3BIRUhHS2Nra0NERXR3bw?oc=5) · legacy.com
- 2021-11-22 [Richard Barker, Sr. - Pensacola News Journal](https://news.google.com/rss/articles/CBMiUkFVX3lxTE40eWpUZVF4X0hUWnVoLWJZeHE1QUdQWkNBTjFmQ0FyNTlmQi1uMHNBT2ptQUtvNHVkWm80a1JMRkF1OFVNMlFjNGtkUGd4QUJlTlE?oc=5) · Pensacola News Journal
- 2016-12-27 [Developer's plans in limbo after historic home demolished - Pensacola News Journal](https://news.google.com/rss/articles/CBMivgFBVV95cUxOczByS1Q3T25IN3lqM0pqa2ZwaG9ZVzBRV01wcGtaTExRbTlaSkZVTmRmQUlhMnV0dGlqdXBFdVRPLUtSMXZzNGtjUlZuNlZTNExZcDhQMkhkeEhENmxrUlN5V2VJNEd5ZW52bGQyRDZzWFQ1c1FKd2ZsODduNUFXY1lyaS1MQ1VEbmJlYTZEOWo4Y3V2TWJhZjNXR3NyVTVhaXZLZlZmMS1mNzdWMV8yWFA5SThoM25qZHpSUi1R?oc=5) · Pensacola News Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8442 (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/58.json (key "8442", 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=8442
- 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