Side-by-side · Q2 2026 data
Community First Credit Union of Flo vs Penair Credit Union
Credit union
Community First Credit Union of Flo
Jacksonville, Florida · $1 billion – $10 billion
Metric by metric
| Measure | Community First Credit Union of Flo | Penair Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 69 |
| Capital cushion | 73 (stronger) | 65 |
| Loan quality | 79 | 80 (stronger) |
| Earnings | 55 (stronger) | 37 |
| Funding & liquidity | 75 | 89 (stronger) |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 70th | 54th |
| Total assets | $3.2B | $2.8B |
| Deposits / shares | $2.8B | $2.4B |
| Capital ratio | 12.26% (stronger) | 11.48% |
| Problem loans | 0.63% | 0.60% (stronger) |
| Net charge-offs | 0.88% | 0.79% (stronger) |
| Return on assets | 0.88% (stronger) | 0.43% |
| Loans ÷ deposits | 85.2% | 71.7% (stronger) |
| Uninsured deposits | 13.9% | 10.6% (stronger) |
| Offices | 25 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.3% | — |
Community First Credit Union of Flo has the higher TellerScore (73 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Community First Credit Union of Flo leads on 3 and Penair Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.