Innorve

PENAIR

Charter #68734 · Pensacola, FL · >$1B

Public 5300 data · as of 2026Q1

What the numbers say

  • Return on average assets of 0.39% sits at the 25th percentile of structural peers — worth a closer look.
  • Net interest margin of 3.04% sits at the 15th percentile of structural peers — worth a closer look.
  • Cost of funds of 0.38% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
  • On Delinquency 60+ days, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 62nd — a 17-point gap showing why the peer definition matters.

Headline ratios vs. peers

Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.

MetricPENAIRAsset-tier percentileStructural percentile
Total assets$2.77B62th pct75th pct
Members138,07156th pct66th pct
Net worth ratio11.60%66th pct59th pct
Return on average assets0.39%20th pct25th pct
Net interest margin3.04%29th pct15th pct
Cost of funds0.38%10th pct15th pct
Loan-to-share70.49%16th pct20th pct
Delinquency 60+ days0.58%45th pct62th pct
Net charge-off ratio0.92%80th pct70th pct
Loan growth YoY5.18%83th pct82th pct
Share growth YoY4.13%51th pct39th pct
Efficiency ratio79.11%74th pct70th pct

structural peer set hash: 6f108c04d8800890496b01a48e01a361… (reproducible)

Closest structural peers

ACHIEVA CREDIT UNION69.5%
#60087 · FL
GROW FINANCIAL62.8%
#9976 · FL
NORTHWEST62.4%
#5500 · VA
DEL NORTE60.8%
#64759 · NM
LBS FINANCIAL60%
#68460 · CA
SCOTT58.9%
#66370 · IL
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.