State credit union · Panama City, Florida · NCUA charter #68720
PANHANDLE
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $356.9M
- Total assets
- 16,187
- Members
- 13.2%
- Net-worth ratio
PANHANDLE scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $356.9M; members 16,187; net-worth ratio 13.24%; health rank #243 of 4,374; healthier than 93rd of scored peers.
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NCUA 5300 Call Report Masthead
#243 of 4,374 health · 2025Q4PANHANDLE · health 96/100 · $356.9M · 2025Q4
Call Report peers
PANHANDLE in the assets neighbourhood
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PANHANDLE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PANHANDLE sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for PANHANDLE
- Net Worth Ratio leads the peer set - 13.24% here, 12.11% peer average (+1.13 pp).
- Loan-to-Share Ratio trails the peer set - 67.18% here, 72.20% peer average (-5.02 pp).
PANHANDLE in Florida
- Health composite ranks #14 of 109 among scored Florida credit unions.
- By total assets, PANHANDLE is #41 of 109 in Florida.
- Membership ranks #49 of 109 among Florida CUs with a reported count (16,187 members).
- One place up in Florida, First Commerce (#13) scores 97/100, 1 point higher; one place down, Florida West Coast (#15) ties at 96/100.
How PANHANDLE's 5300 filing moved
PANHANDLE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $356.9M (2025Q4) to $363.7M (2026Q1).
- Net-worth ratio shifted +0.03 pp (13.21% → 13.24%).
13.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
PANHANDLE gives up 4 points in total. Member Growth costs the most, 3.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.24% | +1.13 pp |
| Delinquency Rate | 0.29% | -0.60 pp |
| Return on Assets | 0.82% | +0.19 pp |
| Member Growth | 2.24% | - |
| Loan-to-Share Ratio | 67.18% | -5.02 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
PANHANDLE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $363.7M | - |
| 2025Q4 | $356.9M | 16,187 |
| 2024Q4 | $328.0M | 15,832 |
| 2023Q4 | $307.3M | 15,621 |
Credit Union Details
- Charter Number
- 68720
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Panama City
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for PANHANDLE, spread across 4 cities.
| Office | City |
|---|---|
| Panhandle Credit Union (Main Office) | Panama City, FL |
| Panhandle Credit Union | Lynn Haven, FL |
| Panhandle Credit Union | Panama City, FL |
| Panhandle Credit Union | Panama City, FL |
| Panhandle Credit Union | Panama City, FL |
| Panhandle Credit Union | Panama City Beach, FL |
| Panhandle Credit Union | Southport, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- PANHANDLE ranks #243 of 4,374 nationally on financial health and #14 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ORLANDO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ORLANDO
Frequently Asked Questions
Is PANHANDLE financially healthy?
On its 2025Q4 NCUA 5300 filing, PANHANDLE scores 96/100 (Excellent), with a 13.24% net worth ratio and 0.29% of loans delinquent. It ranks #243 of 4,374 nationally on health and #14 of 109 in Florida.
How does PANHANDLE compare to other credit unions?
PANHANDLE scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.24% vs 12.11%). Its widest shortfall is loan-to-share ratio (67.18% vs 72.20%).
How can I join PANHANDLE?
Membership eligibility for PANHANDLE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PANHANDLE directly for current membership requirements and application steps.
Is my money safe at PANHANDLE?
PANHANDLE is a state-chartered 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 13.24% 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.