Penair

Pensacola, FL · 2 · Charter #68734 · www.penair.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.8B
65th percentile
Members
136,115
57th percentile
Total loans
$1.6B
54th percentile
Total shares
$2.4B
66th percentile

Profitability

Return on assets
0.94%
46th percentile
Net interest margin
3.00%
37th percentile
Efficiency ratio
53.00%
44th percentile
Non-interest income ratio
19.63%
58th percentile

Capital & Risk

Net worth ratio
11.56%
64th percentile
Delinquency rate
0.74%
50th percentile
Net charge-off rate
0.98%
15th percentile
Loan-to-share
69.29%
13th percentile

Growth

Member growth YoY
4.86%
76th percentile
Asset growth YoY
7.77%
68th percentile
Loan growth YoY
7.65%
67th percentile
Share growth YoY
11.63%
87th percentile

Operations

Members / branch
8,007
54th percentile
Assets / member
$20,224
68th percentile
Field of membership penetration
5.68%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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