Side-by-side · Q2 2026 data
Members First Credit Union of Flori vs Penair Credit Union
Credit union
Members First Credit Union of Flori
Pensacola, Florida · $100 million – $1 billion
Metric by metric
| Measure | Members First Credit Union of Flori | Penair Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 86 (stronger) | 80 |
| Earnings | 86 (stronger) | 37 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 97th | 54th |
| Total assets | $315.8M | $2.8B |
| Deposits / shares | $265.5M | $2.4B |
| Capital ratio | 15.39% (stronger) | 11.48% |
| Problem loans | 0.43% (stronger) | 0.60% |
| Net charge-offs | 0.48% (stronger) | 0.79% |
| Return on assets | 1.66% (stronger) | 0.43% |
| Loans ÷ deposits | 51.8% (stronger) | 71.7% |
| Uninsured deposits | 8.0% (stronger) | 10.6% |
| Offices | 5 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members First Credit Union of Flori has the higher TellerScore (93 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Members First Credit Union of Flori leads on 7 and Penair Credit Union on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.