Side-by-side · Q2 2026 data
Panhandle Credit Union vs Innovations Financial Credit Union
Credit union
Innovations Financial Credit Union
Panama City, Florida · $100 million – $1 billion
Metric by metric
| Measure | Panhandle Credit Union | Innovations Financial Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 67 |
| Capital cushion | 85 (stronger) | 45 |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 72 (stronger) | 54 |
| Funding & liquidity | 94 (stronger) | 62 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 91st | 41st |
| Total assets | $367.9M | $696.1M |
| Deposits / shares | $313.8M | $625.8M |
| Capital ratio | 13.46% (stronger) | 9.49% |
| Problem loans | 0.27% | 0.14% (stronger) |
| Net charge-offs | 0.24% (stronger) | 0.31% |
| Return on assets | 1.29% (stronger) | 0.85% |
| Loans ÷ deposits | 66.2% (stronger) | 86.6% |
| Uninsured deposits | 9.5% (stronger) | 25.6% |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | 18.8% |
Panhandle Credit Union has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Panhandle Credit Union leads on 6 and Innovations Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.