Side-by-side · Q2 2026 data
Ithink Financial Credit Union vs Penair Credit Union
Metric by metric
| Measure | Ithink Financial Credit Union | Penair Credit Union |
|---|---|---|
| TellerScore | 65 | 69 (stronger) |
| Capital cushion | 57 | 65 (stronger) |
| Loan quality | 75 | 80 (stronger) |
| Earnings | 52 (stronger) | 37 |
| Funding & liquidity | 66 | 89 (stronger) |
| Problem-loan coverage | 89 | 91 (stronger) |
| Peer percentile | 41st | 54th |
| Total assets | $2.4B | $2.8B |
| Deposits / shares | $2.0B | $2.4B |
| Capital ratio | 10.71% | 11.48% (stronger) |
| Problem loans | 0.75% | 0.60% (stronger) |
| Net charge-offs | 0.41% (stronger) | 0.79% |
| Return on assets | 0.81% (stronger) | 0.43% |
| Loans ÷ deposits | 93.8% | 71.7% (stronger) |
| Uninsured deposits | 12.9% | 10.6% (stronger) |
| Offices | 23 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.7% | — |
Penair Credit Union has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Ithink Financial Credit Union leads on 2 and Penair Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.