Pinellas Federal Credit Union
Total assets
$172.5M
▼ -1.4% YoY
Shares & deposits
$149.7M
▼ -1.8% YoY
Loans
$100.8M
▲ +7.1% YoY
Members
10,772
▼ -4.2% YoY
ROA (annualized)
0.63%
peers 0.69%
ROE (annualized)
4.91%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.9% | -5.4 pts |
| Share growth (YoY) | -1.8% | +3.3% | -5.1 pts |
| Loan growth (YoY) | +7.1% | +2.9% | +4.2 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 4.9% | 5.9% | -1.0 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 350 E Bay Drive, Largo, FL, 33770
- NCUA charter #
- 10880
- RSSD ID
- 192884
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $172.5M | $149.7M | $100.8M | $22.1M | $272K | 0.63% | 3.32% | 0.79% | 10,772 |
| Q4 2025 | $171.6M | $149.3M | $102.3M | $21.9M | $1.3M | 0.77% | 3.20% | 0.49% | 11,003 |
| Q3 2025 | $171.0M | $148.3M | $97.4M | $21.6M | $1.0M | 0.80% | 3.17% | 0.47% | 11,065 |
| Q2 2025 | $175.5M | $153.2M | $94.1M | $21.6M | $842K | 0.96% | 3.00% | 0.64% | 11,174 |
| Q1 2025 | $175.0M | $152.5M | $94.1M | $21.3M | $588K | 1.34% | 2.90% | 0.60% | 11,246 |
| Q4 2024 | $174.4M | $152.6M | $93.3M | $20.7M | $799K | 0.46% | 2.85% | 0.70% | 11,242 |
| Q3 2024 | $169.9M | $148.2M | $95.3M | $20.5M | $602K | 0.47% | 2.89% | 0.52% | 11,543 |
| Q2 2024 | $166.6M | $145.2M | $99.1M | $20.6M | $469K | 0.56% | 2.96% | 0.73% | 11,625 |
Loan mix (Q1 2026): real estate $37.6M · commercial $0 · consumer $32.4M · securities $42.5M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.62% | 32th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 78.7% | 68th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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