No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $363.7M | $312.9M | $204.7M | $48.2M | $976K | 1.07% | 3.71% | 0.19% | 16,238 |
| Q4 2025 | $356.9M | $307.0M | $206.3M | $47.2M | $3.8M | 1.07% | 3.68% | 0.29% | 16,187 |
| Q3 2025 | $349.1M | $300.3M | $202.7M | $46.1M | $2.7M | 1.03% | 3.68% | 0.28% | 16,220 |
| Q2 2025 | $339.2M | $290.7M | $198.5M | $45.4M | $1.6M | 0.96% | 3.65% | 0.26% | 16,089 |
| Q1 2025 | $333.2M | $288.9M | $196.3M | $44.3M | $564K | 0.68% | 3.61% | 0.35% | 15,928 |
| Q4 2024 | $328.0M | $283.8M | $194.3M | $43.8M | $2.9M | 0.89% | 3.48% | 0.21% | 15,832 |
| Q3 2024 | $329.0M | $285.0M | $194.8M | $42.9M | $2.1M | 0.83% | 3.43% | 0.29% | 15,894 |
| Q2 2024 | $321.0M | $277.7M | $195.0M | $42.6M | $1.4M | 0.84% | 3.43% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Panhandle Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.69% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 15,784 |
Loan mix (Q1 2026): real estate $76.0M · commercial $47.3M · consumer $55.2M · securities $60.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 78.7% | 41th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Panhandle Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Panhandle Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Panhandle Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Panhandle Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.