Institution Profile
Address: 1495 E Nine Mile Road Pensacola, FL 32514
(850) 505-3200
Website:
NCUA Profile:
Charter Date:
1/1/1936
Charter Type:
State
Branches:
17
Branches by Region
FL 11 AL 4 VA 1
Financial Overview
Total Assets
$2.75B
Total Deposits
$2.38B
Total Loans
$1.65B
Members
136,115
Employees
404 399 Full-time / 5 Part-time
Allowance for Loan Losses
$27.08M
Performance Ratios
Net Worth Ratio
11.56%
Loan-to-Deposit Ratio
69.14%
Coverage Ratio
1.64% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +23.05% Total Deposits: +18.45% Total Loans: +28.28% since 2022 Q3
Member Growth
Member Growth
Members: +12.18% since 2022 Q3
Employee Growth
Employee Growth
Employees: +21.69% since 2022 Q3
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
18,732
Amount This Year (YTD)
$633.16M
Number of Loans per Quarter
Loans Granted: -80.53% since 2022 Q3
Loan Amount per Quarter
Amount Granted: -74.00% since 2022 Q3
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$585.70M 35.6%
New Vehicle
$419.96M 25.5%
1st Mortgages
$211.21M 12.8%
HELOCs
$97.67M 5.9%
CRE: Construction
$69.98M 4.2%
Other Unsecured
$53.04M 3.2%
Credit Card
$52.89M 3.2%
CRE: Non-Owner-Occupied
$52.31M 3.2%
CRE: Owner-Occupied
$46.97M 2.9%
Other Secured
$23.94M 1.5%
CRE: Multifamily
$21.24M 1.3%
Other Real Estate
$8.98M 0.5%
Commercial & Industrial
$2.67M 0.2%
Commercial Unsecured
$664,187 0.0%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 136,115 | $2.75B | $2.38B | $1.65B | 404 |
| 2025 Q3 | 133,994 | $2.66B | $2.30B | $1.60B | 398 |
| 2025 Q2 | 132,496 | $2.57B | $2.21B | $1.58B | 383 |
| 2025 Q1 | 130,904 | $2.50B | $2.16B | $1.55B | 384 |
| 2024 Q4 | 129,804 | $2.55B | $2.13B | $1.53B | 380 |
| 2024 Q3 | 129,385 | $2.68B | $2.17B | $1.52B | 385 |
| 2024 Q2 | 128,886 | $2.94B | $2.26B | $1.52B | 378 |
| 2024 Q1 | 127,525 | $3.12B | $2.30B | $1.51B | 373 |
| 2023 Q4 | 126,262 | $3.08B | $2.22B | $1.49B | 363 |
| 2023 Q3 | 125,669 | $2.93B | $2.19B | $1.47B | 359 |
| 2023 Q2 | 124,680 | $2.88B | $2.13B | $1.43B | 355 |
| 2023 Q1 | 123,407 | $2.86B | $2.11B | $1.39B | 343 |
| 2022 Q4 | 121,794 | $2.37B | $1.99B | $1.34B | 331 |
| 2022 Q3 | 121,331 | $2.24B | $2.01B | $1.28B | 332 |
Interest Rates
Current average rates by loan type
New Vehicle
5.74%
Used Vehicle
5.74%
1st Mortgage (Fixed)
6.50%
HELOC
7.74%
Credit Card
12.90%
Other Unsecured
17.90%