Federal credit union · Wellington, Kansas · NCUA charter #12033
PANHANDLE
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $61.3M
- Total assets
- 3,879
- Members
- 16.4%
- Net-worth ratio
PANHANDLE scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $61.3M; members 3,879; net-worth ratio 16.44%; health rank #327 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#327 of 4,374 health · 2025Q4PANHANDLE · health 95/100 · $61.3M · 2025Q4
Call Report peers
PANHANDLE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PANHANDLE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PANHANDLE sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PANHANDLE vs $50M–$100M peers
- Largest favorable gap: Net Worth Ratio at 16.44% vs peer 13.62% (+2.82 pp).
- Largest lag: Return on Assets at 0.52% vs peer 0.66% (-0.14 pp).
PANHANDLE: in-state Call Report ranks
- In Kansas, health place is #1 of 61 on the same NCUA-ratio sort used nationally.
- Assets rank #23 of 61 inside Kansas ($61.3M reported).
- Member book place in Kansas: #24 of 61.
- No Kansas credit union scores higher; the runner-up, Kan Colo (#2) ties at 95/100.
PANHANDLE: 2025Q4 → 2026Q1
PANHANDLE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $61.3M (2025Q4) to $63.0M (2026Q1).
- Net-worth ratio shifted -0.51 pp (16.95% → 16.44%).
This credit union's 16.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
PANHANDLE gives up 5 points in total. Delinquency Rate costs the most, 1.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 13.7 pts
PANHANDLE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.44% | +2.82 pp |
| Delinquency Rate | 0.69% | -0.27 pp |
| Return on Assets | 0.52% | -0.14 pp |
| Member Growth | 3.52% | - |
| Loan-to-Share Ratio | 64.00% | +1.40 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
PANHANDLE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $63.0M | - |
| 2025Q4 | $61.3M | 3,879 |
| 2024Q4 | $62.7M | 3,747 |
| 2023Q4 | $59.5M | 3,791 |
Credit Union Details
- Charter Number
- 12033
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Kansas
- City
- Wellington
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, PANHANDLE runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Panhandle Federal Credit Union (Main Office) | Wellington, KS |
| Panhandle Federal Credit Union - WNH Branch | Winfield, KS |
| Panhandle Federal Credit Union (Winfield Branch) | Winfield, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
PANHANDLE nationwide neighbourhoods
Using this data
- PANHANDLE ranks #327 of 4,374 nationally on financial health and #1 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ark Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ark Valley
Frequently Asked Questions
Is PANHANDLE financially healthy?
On its 2025Q4 NCUA 5300 filing, PANHANDLE scores 95/100 (Excellent), with a 16.44% net worth ratio and 0.69% of loans delinquent. It ranks #327 of 4,374 nationally on health and #1 of 61 in Kansas.
How does PANHANDLE compare to other credit unions?
PANHANDLE scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (16.44% vs 13.62%). Its widest shortfall is return on assets (0.52% vs 0.66%).
How can I join PANHANDLE?
PANHANDLE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact PANHANDLE directly for the exact boundaries and application steps.
Is my money safe at PANHANDLE?
PANHANDLE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. PANHANDLE's net worth ratio of 16.44% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.