Panhandle
Wellington, KS · Charter 12033 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$62.5MAssets
$32.7MLoans
$53.1MShares
$10.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets (rank 392 of 1682).
- Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets (rank 1580 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.19%
Rank 1,535 of 1,683
Net Interest Margin
3.20%
Rank 1,337 of 1,683
Efficiency Ratio
102.79%
Rank 1,580 of 1,682
Equity / Assets
16.53%
Rank 421 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.19% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,535 / 1,683 | | |
| Return on Equity | -1.12% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,524 / 1,681 | | |
| Net Interest Margin | 3.20% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,337 / 1,683 | | |
| Efficiency Ratio | 102.79% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,580 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 392 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.53% | 10.44% | 12.89% | 16.53% | Beats 75% | 421 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.53% | 10.44% | 12.89% | 16.53% | Beats 75% | 421 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.65% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,060 / 1,683 | | |
| Loans / Assets | 52.39% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,043 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |