Side-by-side · Q2 2026 data
Panhandle First Bank vs Texan Sky Federal Credit Union
Metric by metric
| Measure | Panhandle First Bank | Texan Sky Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 82 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 22 | 89 (stronger) |
| Earnings | 37 (stronger) | 28 |
| Funding & liquidity | 75 | 93 (stronger) |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 13th | 70th |
| Total assets | $568.7M | $74.7M |
| Deposits / shares | $463.0M | $60.4M |
| Capital ratio | 13.03% | 15.65% (stronger) |
| Problem loans | 2.34% | 0.34% (stronger) |
| Net charge-offs | 2.97% | 0.25% (stronger) |
| Return on assets | 0.42% (stronger) | 0.21% |
| Loans ÷ deposits | 75.6% | 67.3% (stronger) |
| Uninsured deposits | 23.4% | 2.7% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texan Sky Federal Credit Union has the higher TellerScore (82 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Panhandle First Bank leads on 1 and Texan Sky 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
- Dumas, TX