Side-by-side · Q2 2026 data
United Northwest Federal Credit Union vs Panhandle Federal Credit Union
Credit union
United Northwest Federal Credit Union
Norton, Kansas · Under $100 million in assets
Metric by metric
| Measure | United Northwest Federal Credit Union | Panhandle Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 50 (stronger) | 13 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 83rd | 65th |
| Total assets | $54.5M | $62.5M |
| Deposits / shares | $45.5M | $53.1M |
| Capital ratio | 15.87% | 16.53% (stronger) |
| Problem loans | 0.35% | 0.24% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.13% |
| Return on assets | 0.76% (stronger) | -0.18% |
| Loans ÷ deposits | 47.0% (stronger) | 61.6% |
| Uninsured deposits | 4.7% | 2.4% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.0% |
United Northwest Federal Credit Union has the higher TellerScore (87 vs 80). On the 7 directional measures above (where higher or lower is clearly better), United Northwest Federal Credit Union leads on 4 and Panhandle Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.