BlastPoint's Credit Union Scorecard
PENAIR
Charter #68734 · FL
PENAIR has 4 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.9% YoY
- + Total Deposits: Top 2.3% in tier
- + Total Assets: Top 3.0% in tier
- + First Mortgage Concentration (%): Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.4% in tier
- - Credit Risk Growth: Bottom 21.2% in tier
- - Credit Quality Pressure: Bottom 47.8% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 5.64% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.3% in tier
- - Share Certificate Concentration (%): Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits +10.4% year over year ($2.44B in shares and deposits).
- Membership: 140,350 members, +5.9% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.43%.
- Efficiency ratio 78.66% vs a 73.02% peer average.
- Loan-to-share ratio 71.66% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
140,350
+5.9% YoY+1.7% QoQ
|
+43.5K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Top 15.0% in tier |
| Assets |
$2.8B
+9.9% YoY+2.1% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Top 3.3% in tier |
| Loans |
$1.8B
+11.0% YoY+3.9% QoQ
|
+$517.7M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$2.4B
+10.4% YoY+2.2% QoQ
|
+$981.6M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Top 2.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-19.9% YoY+9.6% QoQ
|
-0.4% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
3.1%
-4.8% YoY+1.1% QoQ
|
-0.4% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
78.7%
+3.3% YoY-0.6% QoQ
|
+5.6% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.6%
+7.7% YoY+2.6% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
71.7%
+0.6% YoY+1.6% QoQ
|
-13.1% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$29,902
+4.5% YoY+1.2% QoQ
|
+$327 |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
39.1%
+4.8% YoY+3.6% QoQ
|
+10.1% | 29.1% | 24.7% | 20.0% | Top 12.0% in tier |
| Indirect Auto % |
52.7%
-2.0% YoY-0.2% QoQ
|
+34.6% | 18.1% | 10.8% | 7.7% | Bottom 2.9% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)