Penair
Penair is a credit union based in Pensacola, Florida, established in 1936, with $2.8 billion in total assets serving 138,071 members. By Trust Grade it ranks 51st of 107 credit unions we track in Florida. Its net worth ratio of 11.6% is stronger than 65% of similarly sized credit unions, versus a Florida median of 11.1%. It was profitable over the most recent period, with a 0.39% return on assets. No consumer complaints against Penair appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Penair compares to Florida peers
How we graded Penair
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.6% capital ratio)
- Profitable (ROA 0.39%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Penair over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Penair insured?
Yes. Penair is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Penair: frequently asked questions
Is Penair a good credit union?
Penair earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (11.6% capital ratio); Profitable (ROA 0.39%).
Is Penair NCUA-insured?
Yes. Penair is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Penair?
Penair holds $2.8 billion in total assets, ranking 51st of 107 credit unions we track in Florida. It serves 138,071 members.
Does Penair have CFPB complaints?
No CFPB complaints against Penair appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
