PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Panhandle

Panama City, FL · Charter 68720

NCUA · 7 branches

Q2 2026

$367.9MAssets
$207.6MLoans
$313.8MShares
$49.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.29%, up 33 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.27% of loans (+1 bps YoY).
  • Capital: net worth / assets of 13.48%, up 10 bps from a year ago.
  • Funding: loans stand at 66.16% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+5 bps YoY

Efficiency Ratio (YTD, annualized)

72.32%-488 bps YoY

Net Worth / Assets

13.48%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.03%1.07%1.07%1.29%+33 bps
Return on Equity7.16%7.77%8.11%8.10%9.58%+242 bps
Net Interest Margin3.65%3.68%3.68%3.71%3.70%+5 bps
Efficiency Ratio77.20%75.43%74.48%75.97%72.32%-488 bps
Growth
Asset Growth (YoY)5.68%6.10%8.84%9.14%8.46%+278 bps
Loan Growth (YoY)1.83%4.02%6.16%4.28%4.60%+277 bps
Share Growth (YoY)4.69%5.36%8.19%8.32%7.95%+326 bps
Asset Quality
Delinquent Loans / Loans0.26%0.28%0.29%0.19%0.27%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.38%13.20%13.23%13.25%13.48%+10 bps
Net Worth / Assets13.38%13.20%13.23%13.25%13.48%+10 bps
Liquidity & Funding
Loans / Shares68.28%67.49%67.18%65.41%66.16%-212 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps