Pensacola, Florida · Peer group 5
Loyalty Credit Union
Loyalty Credit Union holds $302.9M in assets across 19,143 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1962. Charter number 62417, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $302.9M |
|---|---|
| Total loans | $164.5M |
| Total shares (deposits) | $266.3M |
| Net worth | $34.1M |
| Members | 19,143 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.7% | |
|---|---|---|
| Loans | 5.4% | around the 66th percentile of its peer group |
| Deposits | 0.8% | around the 27th percentile of its peer group |
| Members | -6.0% | lower than 92% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 61.8% | around the 30th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.3% | around the 46th percentile of its peer group |
| Return on assets | 0.89% | around the 63rd percentile of its peer group |
| Delinquency ratio | 0.50% | around the 41st percentile of its peer group |
| Cash / assets | 9.1% | around the 40th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Loyalty Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Florida — the comparison set a peer ratio is measured against.
- Guardians Credit Union
WEST PALM BEACH, FL
$309.5M · 36,283 members
- Alive Credit Union
Jacksonville, FL
$294.2M · 18,605 members
- Harvesters Credit Union
Cantonment, FL
$312.8M · 34,149 members
- Members First Credit Union of Flori
Pensacola, FL
$314.4M · 19,401 members
- Jetstream Credit Union
Miami Lakes, FL
$287.6M · 14,206 members
- Gold Coast Credit Union
PALM SPRINGS, FL
$267.8M · 19,617 members
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