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
- RANK 95/100
- PHOTO 16.4%
- BOOK 0.69%
- CHARTER 0.52%
- NCUSIF $61.3M
- CAMELS 3,879
- HEALTH #327/4,374
- NW RIMROCK
- DELQ 12033
Call Report peers
PANHANDLE in the assets neighbourhood
PANHANDLE's $61.3M assets sit next to RIMROCK ($61.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
PANHANDLE - Share Insurance Coverage
Charter #12033's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for KS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PANHANDLE: 2025Q4 → 2026Q1
PANHANDLE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $61.3M (2025Q4) to $63.0M (2026Q1).
- Net-worth ratio shifted -0.51 pp (16.95% → 16.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for PANHANDLE, both outside Kansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($61.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Kansas credit unions compare overall before assuming this one is typical. Kansas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is PANHANDLE financially healthy?
PANHANDLE has a financial health score of 95/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #327 of 4,374; by total assets it ranks #2,240 of 4,374 nationally (same basis as /rankings/largest); and #23 of 61 within Kansas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.44% and delinquency rate of 0.69%.
How does PANHANDLE compare to other credit unions?
On PlainCU's health composite, PANHANDLE lands at 95/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like PANHANDLE are 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."
What rates does PANHANDLE offer compared to banks?
Credit unions like PANHANDLE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact PANHANDLE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.