Panhandle
Panama City, FL · Charter 68720 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$367.9MAssets
$207.6MLoans
$313.8MShares
$49.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 81% of credit unions under $1B in assets (rank 325 of 1681).
- Widest gap: net interest margin trails 56% of credit unions under $1B in assets (rank 937 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.29%
Rank 354 of 1,683
Net Interest Margin
3.70%
Rank 937 of 1,683
Efficiency Ratio
72.33%
Rank 552 of 1,682
Equity / Assets
13.48%
Rank 753 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.35% | 0.74% | 1.18% | Beats 79% | 354 / 1,683 | | |
| Return on Equity | 9.58% | 2.67% | 5.89% | 8.74% | Beats 81% | 325 / 1,681 | | |
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 937 / 1,683 | | |
| Efficiency Ratio | 72.33% | 68.91% | 78.20% | 86.93% | Beats 67% | 552 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 75% | 426 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.48% | 10.44% | 12.89% | 16.53% | Beats 55% | 753 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.48% | 10.44% | 12.89% | 16.53% | Beats 55% | 753 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.16% | 52.61% | 69.38% | 83.50% | 44th pctl | 946 / 1,683 | | |
| Loans / Assets | 56.43% | 44.71% | 59.18% | 70.72% | 44th pctl | 941 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |