Side-by-side · Q2 2026 data
Loyalty Credit Union vs Panhandle Credit Union
Metric by metric
| Measure | Loyalty Credit Union | Panhandle Credit Union |
|---|---|---|
| TellerScore | 75 | 87 (stronger) |
| Capital cushion | 66 | 85 (stronger) |
| Loan quality | 78 | 91 (stronger) |
| Earnings | 59 | 72 (stronger) |
| Funding & liquidity | 97 (stronger) | 94 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 66th | 91st |
| Total assets | $300.3M | $367.9M |
| Deposits / shares | $263.8M | $313.8M |
| Capital ratio | 11.61% | 13.46% (stronger) |
| Problem loans | 0.66% | 0.27% (stronger) |
| Net charge-offs | 0.88% | 0.24% (stronger) |
| Return on assets | 0.98% | 1.29% (stronger) |
| Loans ÷ deposits | 63.4% (stronger) | 66.2% |
| Uninsured deposits | 0.0% (stronger) | 9.5% |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | 12.1% |
Panhandle Credit Union has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Loyalty Credit Union leads on 2 and Panhandle Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.