Side-by-side · Q2 2026 data
Community South Credit Union vs Panhandle Credit Union
Metric by metric
| Measure | Community South Credit Union | Panhandle Credit Union |
|---|---|---|
| TellerScore | 71 | 87 (stronger) |
| Capital cushion | 81 | 85 (stronger) |
| Loan quality | 68 | 91 (stronger) |
| Earnings | 48 | 72 (stronger) |
| Funding & liquidity | 73 | 94 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 54th | 91st |
| Total assets | $244.6M | $367.9M |
| Deposits / shares | $209.4M | $313.8M |
| Capital ratio | 13.05% | 13.46% (stronger) |
| Problem loans | 0.96% | 0.27% (stronger) |
| Net charge-offs | 0.48% | 0.24% (stronger) |
| Return on assets | 0.71% | 1.29% (stronger) |
| Loans ÷ deposits | 86.9% | 66.2% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 9.5% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
Panhandle Credit Union has the higher TellerScore (87 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Community South Credit Union leads on 1 and Panhandle Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.