Side-by-side · Q2 2026 data
Southeast First National Bank vs Panhandle Credit Union
Metric by metric
| Measure | Southeast First National Bank | Panhandle Credit Union |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 67 | 85 (stronger) |
| Loan quality | 98 (stronger) | 91 |
| Earnings | 52 | 72 (stronger) |
| Funding & liquidity | 60 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 51st | 91st |
| Total assets | $74.9M | $367.9M |
| Deposits / shares | $66.0M | $313.8M |
| Capital ratio | 11.67% | 13.46% (stronger) |
| Problem loans | 0.06% (stronger) | 0.27% |
| Net charge-offs | 0.09% (stronger) | 0.24% |
| Return on assets | 0.80% | 1.29% (stronger) |
| Loans ÷ deposits | 28.2% (stronger) | 66.2% |
| Uninsured deposits | 50.9% | 9.5% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 12.1% |
Panhandle Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Southeast First National Bank leads on 3 and Panhandle Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.