PENAIR
CUPensacola, FL
Total Assets
$2.8B
—
Total Loans
$1.7B
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PENAIR in FL reported a 3.1% Texas Ratio in Q1 2026, declining -0.8pp from the prior quarter. Nonperforming assets fell to 0.58%, down -0.16pp quarter-over-quarter.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $215M | 12.7% | — | — |
| 1-4 family — junior lien | $101M | 6.0% | — | — |
| Multifamily | $19M | 1.1% | — | — |
| FOUNDATION Consumer Auto New — Unlock to view | ||||
| FOUNDATION Consumer Auto Used — Unlock to view | ||||
| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
PENAIR currently appears on: Auto Concentration