Side-by-side · Q2 2026 data
Panhandle Federal Credit Union vs Empower Blue Credit Union
Metric by metric
| Measure | Panhandle Federal Credit Union | Empower Blue Credit Union |
|---|---|---|
| TellerScore | 80 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 13 | 47 (stronger) |
| Funding & liquidity | 99 (stronger) | 98 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 65th | 85th |
| Total assets | $62.5M | $55.1M |
| Deposits / shares | $53.1M | $45.6M |
| Capital ratio | 16.53% | 18.09% (stronger) |
| Problem loans | 0.24% | 0.10% (stronger) |
| Net charge-offs | 0.13% | 0.12% (stronger) |
| Return on assets | -0.18% | 0.68% (stronger) |
| Loans ÷ deposits | 61.6% (stronger) | 61.8% |
| Uninsured deposits | 2.4% (stronger) | 7.6% |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.0% | — |
Empower Blue Credit Union has the higher TellerScore (88 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Panhandle Federal Credit Union leads on 2 and Empower Blue Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.