Penair
Pensacola, FL · Charter 68734 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
$2.8BAssets
$1.8BLoans
$2.4BShares
$324.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 61% of credit unions $1B-$10B in assets (rank 168 of 435).
- Widest gap: return on equity trails 84% of credit unions $1B-$10B in assets (rank 366 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.43%
Rank 360 of 435
Net Interest Margin
3.03%
Rank 323 of 435
Efficiency Ratio
78.66%
Rank 343 of 435
Equity / Assets
11.48%
Rank 168 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.43% | 0.55% | 0.81% | 1.14% | Beats 17% | 360 / 435 | | |
| Return on Equity | 3.71% | 5.12% | 7.41% | 9.70% | Beats 16% | 366 / 435 | | |
| Net Interest Margin | 3.03% | 3.01% | 3.39% | 3.75% | Beats 26% | 323 / 435 | | |
| Efficiency Ratio | 78.66% | 65.25% | 71.39% | 77.86% | Beats 21% | 343 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.45% | 0.69% | 1.05% | Beats 60% | 174 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.48% | 9.81% | 10.84% | 12.63% | Beats 61% | 168 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.48% | 9.81% | 10.84% | 12.63% | Beats 61% | 168 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.66% | 78.33% | 88.38% | 95.61% | 16th pctl | 365 / 435 | | |
| Loans / Assets | 62.05% | 67.69% | 74.58% | 80.80% | 16th pctl | 367 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |