BlastPoint's Credit Union Scorecard
PEN AIR
Charter #68734 · FL
PEN AIR has 4 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 27.3% in tier
- + First Mortgage Concentration (%): Top 5.3% in tier
- + Total Deposits: Top 7.2% in tier
- + Total Assets: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.9% in tier
- - ROA 0.06% below tier average
- - Indirect Auto Concentration (%): Bottom 2.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
133,994
+3.6% YoY+1.1% QoQ
|
+35.3K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$2.7B
-0.9% YoY+3.5% QoQ
|
+$941.1M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Top 7.9% in tier |
| Loans |
$1.6B
+5.4% YoY+1.7% QoQ
|
+$370.7M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$2.3B
+5.8% YoY+3.8% QoQ
|
+$843.6M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 7.6% in tier |
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| ROA |
0.6%
+39.5% YoY+19.4% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
3.1%
+14.3% YoY-2.1% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
73.7%
+6.3% YoY-3.2% QoQ
|
-0.3% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.6%
-20.7% YoY+9.0% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
69.8%
-0.4% YoY-2.1% QoQ
|
-15.4% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.8% in tier |
| AMR |
$29,119
+2.0% YoY+1.8% QoQ
|
$-53 |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
39.0%
+0.6% YoY+4.4% QoQ
|
+10.1% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
Top 13.7% in tier |
| Indirect Auto % |
53.3%
-1.3% YoY-0.8% QoQ
|
+34.6% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
Top 1.8% 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)