Side-by-side · Q2 2026 data
Trax Federal Credit Union vs Panhandle Credit Union
Metric by metric
| Measure | Trax Federal Credit Union | Panhandle Credit Union |
|---|---|---|
| TellerScore | 64 | 87 (stronger) |
| Capital cushion | 80 | 85 (stronger) |
| Loan quality | 40 | 91 (stronger) |
| Earnings | 31 | 72 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 31st | 91st |
| Total assets | $485.1M | $367.9M |
| Deposits / shares | $416.4M | $313.8M |
| Capital ratio | 12.98% | 13.46% (stronger) |
| Problem loans | 1.80% | 0.27% (stronger) |
| Net charge-offs | 1.79% | 0.24% (stronger) |
| Return on assets | 0.28% | 1.29% (stronger) |
| Loans ÷ deposits | 51.9% (stronger) | 66.2% |
| Uninsured deposits | 11.5% | 9.5% (stronger) |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.0% | 12.1% |
Panhandle Credit Union has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Trax Federal Credit Union leads on 1 and Panhandle Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.