Sep, 30, 2025 — MY PENSACOLA FEDERAL CREDIT UNION is a federal credit union headquartered in PENSACOLA, FL with 2 branch locations and about $86.89 million in total assets. Opened 73 years ago in 1953, MY PENSACOLA FEDERAL CREDIT UNION has about 4,666 members and employs 22 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MY PENSACOLA FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 108 S Reus St PENSACOLA, FL 32502-5718 |
| Phone: | (850) 432-9939 |
| Fax: | (850) 435-9767 |
| Website: | https://www.mypensacolacu.com |
| Branches: | 2 branch locations |
| Members: | 4,666 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8442 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $86,890,350 |
| CEO/Manager: | James Phetteplace |
| Chairperson: | James W Kutzer |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,534,572 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 8,518,382 |
| Unsecured Loans | 4,655,499 |
| Other Loans | 18,305,262 |
| TOTAL LOANS | 31,993,916 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -371,079 |
| Land And Building | 5,427,790 |
| Other Fixed Assets | 389,495 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 672,547 |
| All Other Assets | 17,616 |
| TOTAL ASSETS | 86,890,350 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 580,085 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 12,447,644 |
| Regular shares | 42,493,486 |
| All Other Shares & Deposits | 16,251,306 |
| TOTAL SHARES & DEPOSITS | 71,192,436 |
| TOTAL LIABILITIES | 71,772,521 |
| Regular Reserve | 0 |
| Other Reserves | 3,098,776 |
| Undivided Earnings | 12,019,053 |
| TOTAL EQUITY | 15,117,829 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 86,890,350 |
| INCOME & EXPENSE | |
| Loan Income | 1,418,331 |
| Investment Income | 1,071,390 |
| Other Income | 307,260 |
| Total Employee Compensation & Benefits | 1,076,926 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,271,829 |
| Non-operating Income & (Expense) | -5,216 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 96,265 |
| Cost of Funds | 545,948 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 146,298 |
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