Panhandle

Panama City, FL · 2 · Charter #68720 · www.panhandlecu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$356.9M
30th percentile
Members
16,187
12th percentile
Total loans
$206.3M
22th percentile
Total shares
$307.0M
31th percentile

Profitability

Return on assets
1.26%
70th percentile
Net interest margin
3.68%
66th percentile
Efficiency ratio
61.05%
41th percentile
Non-interest income ratio
20.87%
62th percentile

Capital & Risk

Net worth ratio
13.23%
78th percentile
Delinquency rate
0.29%
88th percentile
Net charge-off rate
0.26%
67th percentile
Loan-to-share
67.18%
23th percentile

Growth

Member growth YoY
2.24%
70th percentile
Asset growth YoY
8.84%
80th percentile
Loan growth YoY
6.16%
61th percentile
Share growth YoY
8.19%
80th percentile

Operations

Members / branch
2,312
7th percentile
Assets / member
$22,051
83th percentile
Field of membership penetration
3.79%
47th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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