TellerScore

Panhandle Credit Union (NCUA charter #68720) is based in Panama City, Florida. Its Q2 2026 call report shows $367.9M in total assets and $313.8M in member shares and deposits and 7 offices.

Panhandle Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 6th. Problem-loan coverage contributes the most (98/100, 1.2%); earnings contributes the least (72/100, 1.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.46%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity94/100
Loans ÷ shares: 66.2% · 9.5% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.22%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (83 → 87), mostly because the earnings component improved by 14 points.

TellerScore
798387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202481
Q4 202483
Q1 202580
Q2 202583
Q3 202583
Q4 202583
Q1 202685
Q2 202687
Net worth ratio
7.00%10.23%13.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.22%
Q3 202413.01%
Q4 202413.31%
Q1 202513.27%
Q2 202513.35%
Q3 202513.18%
Q4 202513.21%
Q1 202613.24%
Q2 202613.46%
Delinquent loans (60+ days)
0.19%0.38%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.29%
Q4 20240.21%
Q1 20250.35%
Q2 20250.26%
Q3 20250.28%
Q4 20250.29%
Q1 20260.19%
Q2 20260.27%
Return on assets
0.68%0.98%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.83%
Q4 20240.89%
Q1 20250.68%
Q2 20250.96%
Q3 20251.03%
Q4 20251.07%
Q1 20261.07%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$367.9M13.46%0.27%1.29%66.2%
Q1 202685$363.7M13.24%0.19%1.07%65.4%
Q4 202583$356.9M13.21%0.29%1.07%67.2%
Q3 202583$349.1M13.18%0.28%1.03%67.5%
Q2 202583$339.2M13.35%0.26%0.96%68.3%
Q1 202580$333.2M13.27%0.35%0.68%67.9%
Q4 202483$328.0M13.31%0.21%0.89%68.5%
Q3 202481$329.0M13.01%0.29%0.83%68.4%
Q2 202479$321.0M13.22%0.57%0.84%70.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.46%
74th
Problem loans0.27%
84th
Net charge-offs0.24%
66th
Return on assets1.29%
82nd
Loans to deposits66.2%
69th
Uninsured deposits9.5%
19th
Loan-loss reserves0.00%
50th
Texas ratio1.2%
87th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Orlando Credit UnionCredit union Orlando, FL59 out of 100, Moderate$379.2M9.0%0.53%vs
San Antonio Citizens Federal Credit UnionCredit union San Antonio, FL78 out of 100, Strong$399.9M11.0%0.28%vs
Harvesters Federal Credit UnionCredit union Cantonment, FL60 out of 100, Moderate$316.8M9.4%0.83%vs
Members First Credit Union of FloriCredit union Pensacola, FL93 out of 100, Very strong$315.8M15.4%0.43%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Jetstream Federal Credit UnionCredit union Miami Lakes, FL66 out of 100, Moderate$307.0M10.0%0.32%vs

Deposit insurance

Is my money safe at Panhandle Credit Union?

Yes. Panhandle Credit Union is a federally insured credit union (NCUA charter #68720). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.5% of shares and deposits ($29.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.46%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Panhandle Credit Union lists 7 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Panhandle Credit Union reported 65 home-loan applications under HMDA (LEI 549300NLCEXBVVCBZ024): 47 originated ($10,605,000 total), 7 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Panhandle Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68720
RSSD ID
691686
Primary regulator
State + NCUA
Established
1957
Headquarters
2718 Martin Luther King Jr Blvd, Panama City, FL 32405
Employees
72

Quick answers

Panhandle Credit Union: common questions

Is Panhandle Credit Union NCUA insured?

Yes. Panhandle Credit Union is a federally insured credit union (NCUA charter #68720). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Panhandle Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Panhandle Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Panama City

InstitutionScoreAssetsCapitalProblem loansCompare
Tyndall Federal Credit UnionCredit union Panama City, FL89 out of 100, Very strong$1.9B13.6%0.26%vs
Hello Credit UnionCredit union Panama City, FL80 out of 100, Strong$159.9M14.3%0.32%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Loyalty Credit UnionCredit union Pensacola, FL75 out of 100, Strong$300.3M11.6%0.66%vs
Southeast First National BankBank Summerville, GA74 out of 100, Strong$74.9M11.7%0.06%vs
Capital City BankBank Tallahassee, FL72 out of 100, Strong$4.4B10.3%0.40%vs