Side-by-side · Q2 2026 data
Florida Credit Union vs Penair Credit Union
Metric by metric
| Measure | Florida Credit Union | Penair Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 77 (stronger) | 65 |
| Loan quality | 73 | 80 (stronger) |
| Earnings | 77 (stronger) | 37 |
| Funding & liquidity | 64 | 89 (stronger) |
| Problem-loan coverage | 88 | 91 (stronger) |
| Peer percentile | 75th | 54th |
| Total assets | $2.8B | $2.8B |
| Deposits / shares | $2.4B | $2.4B |
| Capital ratio | 12.70% (stronger) | 11.48% |
| Problem loans | 0.80% | 0.60% (stronger) |
| Net charge-offs | 0.97% | 0.79% (stronger) |
| Return on assets | 1.42% (stronger) | 0.43% |
| Loans ÷ deposits | 96.3% | 71.7% (stronger) |
| Uninsured deposits | 12.1% | 10.6% (stronger) |
| Offices | 15 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 70.0% | — |
Florida Credit Union has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Florida Credit Union leads on 3 and Penair Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.