Side-by-side · Q2 2026 data
Harvesters Federal Credit Union vs Panhandle Credit Union
Metric by metric
| Measure | Harvesters Federal Credit Union | Panhandle Credit Union |
|---|---|---|
| TellerScore | 60 | 87 (stronger) |
| Capital cushion | 44 | 85 (stronger) |
| Loan quality | 72 | 91 (stronger) |
| Earnings | 56 | 72 (stronger) |
| Funding & liquidity | 74 | 94 (stronger) |
| Problem-loan coverage | 60 | 98 (stronger) |
| Peer percentile | 21st | 91st |
| Total assets | $316.8M | $367.9M |
| Deposits / shares | $284.1M | $313.8M |
| Capital ratio | 9.42% | 13.46% (stronger) |
| Problem loans | 0.83% | 0.27% (stronger) |
| Net charge-offs | 0.44% | 0.24% (stronger) |
| Return on assets | 0.89% | 1.29% (stronger) |
| Loans ÷ deposits | 86.7% | 66.2% (stronger) |
| Uninsured deposits | 11.5% | 9.5% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.8% | 12.1% |
Panhandle Credit Union has the higher TellerScore (87 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Harvesters Federal Credit Union leads on 0 and Panhandle Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.