LOYALTY
State-Chartered • Pensacola, Florida • Est. 1962
Quick Facts
- Charter Number
- #62417
- Type
- State-Chartered
- Established
- 1962
- Headquarters
- Pensacola, Florida 32522
- Address
- P O Box 17048
- Branches
- 7
- ATMs
- 8
- Members
- 19,476
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
19,476 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | LOYALTY |
|---|---|
| Total Assets | $298.5M |
| Members | 19,476 |
| Loans Outstanding | $166.4M |
| Shares & Deposits | $261.5M |
| Net Worth | $33.4M |
| Net Worth Ratio | 11.19% |
| Loan-to-Share Ratio | 63.6% |
| Delinquency Rate | 0.80% |
| Net Income | +$4,370,377 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
7 locations · 8 ATMs
W Street
6200 N W St
Pensacola, FL 32505-1903
Cordova
4964 Bayou Blvd
Pensacola, FL 32503-2542
Home Office
Main Office1200 E Nine Mile Rd
Pensacola, FL 32514-1653
Panama City
2615 Highway 77
Panama City, FL 32405-4406
Appleyard
580 Appleyard Dr
Tallahassee, FL 32304
Who Can Join LOYALTY?
Membership Type: Community
Membership eligibility for LOYALTY may vary. Contact the credit union directly to confirm qualification requirements.
Contact LOYALTY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. LOYALTY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, LOYALTY has 19,476 members and a potential membership field of 2,225,947 people.
LOYALTY's net worth ratio is 11.19% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.2%, LOYALTY meets this threshold.
LOYALTY operates 7 branch locations and has access to 8 ATMs. The main office is located at 1200 E Nine Mile Rd, Pensacola, FL 32514-1653.
LOYALTY was established in 1962. It is a state-chartered credit union chartered under charter number 62417. The institution has been serving members for 64 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or LOYALTY. All financial data is for informational purposes only.