Total Assets
$2.8B
Total Deposits
$2.4B
Branches
16
Established
1936
PENAIR is a credit union headquartered in Pensacola, Florida, established in 1936. It holds $2.8B in total assets across 16 branch locations. In our editorial opinion, based on public FDIC/NCUA data, PENAIR earns a TFS Financial Health Grade of C- (64.2/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
64.2 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from NCUA Call Reports as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Nine Mile Back CampusHQ | 9021 Westside Dr | Pensacola | FL | Full Service |
| Foley Branch | 1301 S McKenzie St | Foley | AL | Full Service |
| Broad Street | 2051 S Broad St | Mobile | AL | Full Service |
| Robertsdale | 21511 State Highway 59 S | Robertsdale | AL | Full Service |
| Eastern Shore | 10010 Eastern Shore Blvd | Spanish Fort | AL | Full Service |
| Crestview | 1345 Industrial Dr | Crestview | FL | Full Service |
| Gulf Breeze | 3591 Gulf Breeze Pkwy | Gulf Breeze | FL | Full Service |
| Milton | 5056 Dogwood Dr | Milton | FL | Full Service |
| Pace | 4586 Highway 90 | Pace | FL | Full Service |
| Airport | 1289 Airport Blvd | Pensacola | FL | Full Service |
| Beulah | 5855 W Nine Mile Rd | Pensacola | FL | Full Service |
| Car City II | 6390 Pensacola Blvd | Pensacola | FL | Full Service |
| Corry Station | 5570 W Highway 98 | Pensacola | FL | Full Service |
| Nine Mile | 9035 Westside Dr | Pensacola | FL | Full Service |
| Saufley | 4523 Saufley Field Rd | Pensacola | FL | Full Service |
| Elbit | 7635 Plantation Rd | Roanoke | VA | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
64.2
Net worth ratio
11.60%
Return on assets
0.39%
60+ day delinquency
0.58%
Suggested direct comparisons
Pensacola, FL
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ACHIEVA CREDIT UNION
Dunedin, FL
$3.2B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.