Side-by-side · Q2 2026 data
Members First Credit Union of Flori vs Panhandle Credit Union
Credit union
Members First Credit Union of Flori
Pensacola, Florida · $100 million – $1 billion
Metric by metric
| Measure | Members First Credit Union of Flori | Panhandle Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 86 | 91 (stronger) |
| Earnings | 86 (stronger) | 72 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 97th | 91st |
| Total assets | $315.8M | $367.9M |
| Deposits / shares | $265.5M | $313.8M |
| Capital ratio | 15.39% (stronger) | 13.46% |
| Problem loans | 0.43% | 0.27% (stronger) |
| Net charge-offs | 0.48% | 0.24% (stronger) |
| Return on assets | 1.66% (stronger) | 1.29% |
| Loans ÷ deposits | 51.8% (stronger) | 66.2% |
| Uninsured deposits | 8.0% (stronger) | 9.5% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
Members First Credit Union of Flori has the higher TellerScore (93 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Members First Credit Union of Flori leads on 5 and Panhandle Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.