Side-by-side · Q2 2026 data
Panhandle First Bank vs Northeast Panhandle Teachers Federal Credit Union
Credit union
Northeast Panhandle Teachers Federal Credit Union
Perryton, Texas · Under $100 million in assets
Metric by metric
| Measure | Panhandle First Bank | Northeast Panhandle Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 81 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 22 | 74 (stronger) |
| Earnings | 37 | 52 (stronger) |
| Funding & liquidity | 75 | 84 (stronger) |
| Problem-loan coverage | 76 | 96 (stronger) |
| Peer percentile | 13th | 68th |
| Total assets | $568.7M | $22.0M |
| Deposits / shares | $463.0M | $17.3M |
| Capital ratio | 13.03% | 21.42% (stronger) |
| Problem loans | 2.34% | 0.79% (stronger) |
| Net charge-offs | 2.97% | 0.04% (stronger) |
| Return on assets | 0.42% | 0.80% (stronger) |
| Loans ÷ deposits | 75.6% (stronger) | 76.4% |
| Uninsured deposits | 23.4% | 1.2% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northeast Panhandle Teachers Federal Credit Union has the higher TellerScore (81 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Panhandle First Bank leads on 1 and Northeast Panhandle Teachers Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Perryton, TX