Charter 68734 · Pensacola, FL
Penair Credit Union
Penair Credit Union is a state-chartered credit union in Pensacola, Florida, with $2.82 billion in assets and 140,350 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.48%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $2.82 billion
- +9.9% in a year
- Members
- 140,350
- +5.9% in a year
- Net worth ratio
- 11.48%
- Peer median 10.79%
- Loans 60+ days late
- 0.60%
- Peer median 0.67%
- Loans outstanding
- $1.75 billion
- +11.0% in a year
- Shares and deposits
- $2.44 billion
- +10.4% in a year
- Branches
- 18
- 414 employees
- Opened
- 1936
- Florida charter
How Penair Credit Union compares
NCUA groups credit unions by size; Penair Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.48% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.60%, is lower than the group median of 0.67%. Loans grew 11.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 13 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $2.82 billion | 140,350 | $1.75 billion | 11.48% | 0.60% |
| Q1 2026 | $2.77 billion | 138,071 | $1.69 billion | 11.60% | 0.58% |
| Q4 2025 | $2.75 billion | 136,115 | $1.65 billion | 11.56% | 0.74% |
| Q3 2025 | $2.66 billion | 133,994 | $1.60 billion | 12.01% | 0.60% |
| Q2 2025 | $2.57 billion | 132,496 | $1.58 billion | 12.21% | 0.55% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 2.4 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 17 sites for Penair Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Corry Station
5570 W Highway 98, Pensacola, FL 32507 - Milton
5056 Dogwood Dr, Milton, FL 32570 - Robertsdale
21511 State Highway 59 S, Robertsdale, AL 36567 - Saufley
4523 Saufley Field Rd, Pensacola, FL 32526 - Pace
4586 Highway 90, Pace, FL 32571 - Gulf Breeze
3591 Gulf Breeze Pkwy, Gulf Breeze, FL 32563 - Nine Mile Back Campus (main office)
9021 Westside Dr, Pensacola, FL 32514 - Eastern Shore
10010 Eastern Shore Blvd, Spanish Fort, AL 36527 - Foley Branch
1301 S Mckenzie St, Foley, AL 36535 - Airport
1289 Airport Blvd, Pensacola, FL 32504 - Car City II
6390 Pensacola Blvd, Pensacola, FL 32505 - Beulah
5855 W Nine Mile Rd, Pensacola, FL 32526 - Crestview
1345 Industrial Dr, Crestview, FL 32539 - Nine Mile
9035 Westside Dr, Pensacola, FL 32514 - Fort Walton Beach
80 Eglin Pkwy Ne, Fort Walton Beach, FL 32548 - Elbit
7635 Plantation Rd, Roanoke, VA 24019 - Broad Street
2051 S Broad St, Mobile, AL 36615
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology