BlastPoint's Credit Union Scorecard
PEN AIR
Charter #68734 · FL
PEN AIR has 4 strengths but faces 4 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
- + Organic Growth Engine: Top 69.9% in tier
- + Total Deposits: Top 3.6% in tier
- + Total Assets: Top 4.0% in tier
- + First Mortgage Concentration (%): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 15.4% in tier
- - ROA 0.09% below tier average
- - Indirect Auto Concentration (%): Bottom 4.0% in tier
- - Share Certificate Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
136,115
+4.9% YoY+1.6% QoQ
|
+38.7K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$2.8B
+7.8% YoY+3.5% QoQ
|
+$1.0B |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 4.3% in tier |
| Loans |
$1.6B
+7.6% YoY+2.7% QoQ
|
+$412.8M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$2.4B
+11.9% YoY+3.7% QoQ
|
+$923.3M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 4.0% in tier |
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| ROA |
0.6%
-0.9% YoY-6.8% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.1%
+2.5% YoY-2.9% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
73.8%
+5.4% YoY+0.1% QoQ
|
-0.3% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.7%
-5.9% YoY+23.4% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
69.1%
-3.8% YoY-0.9% QoQ
|
-15.7% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.9% in tier |
| AMR |
$29,606
+5.0% YoY+1.7% QoQ
|
+$178 |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
40.3%
+7.9% YoY+3.4% QoQ
|
+11.3% | 29.0% | 24.1% | 19.8% | Top 10.9% in tier |
| Indirect Auto % |
50.9%
-5.9% YoY-4.5% QoQ
|
+32.6% | 18.3% | 10.8% | 7.8% | Top 3.7% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)