Side-by-side · Q2 2026 data
Panhandle Federal Credit Union vs Sm Federal Credit Union
Metric by metric
| Measure | Panhandle Federal Credit Union | Sm Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 92 |
| Earnings | 13 | 70 (stronger) |
| Funding & liquidity | 99 (stronger) | 81 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 65th | 87th |
| Total assets | $62.5M | $77.2M |
| Deposits / shares | $53.1M | $61.4M |
| Capital ratio | 16.53% | 19.98% (stronger) |
| Problem loans | 0.24% (stronger) | 0.24% |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | -0.18% | 1.24% (stronger) |
| Loans ÷ deposits | 61.6% (stronger) | 78.9% |
| Uninsured deposits | 2.4% (stronger) | 3.3% |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.0% | — |
Sm Federal Credit Union has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Panhandle Federal Credit Union leads on 3 and Sm Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.