A
Panhandle Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Panhandle Credit Union
Panama City, FL
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Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 4.40
Profitability Index 6.80
Stability Index 8.60
Company Info Panhandle Credit Union
Panama City, FL
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NCUA Charter Number 2329
Phone Number (850) 769-3306
Website www.panhandlecu.org
Asset Quality Panhandle Credit Union
Panama City, FL
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1-Year Asset Growth 5.68%
5-Year Asset Growth 5.49%
5-Year Charge-Offs to Average Loans 0.28%
Charge-Offs to Average Loans 0.32%
Non-Performing Assets to Assets 0.17%
Non-Performing Loans to Capital 1.93%
Non-Performing Loans to Loans 0.36%
Balance Sheet Panhandle Credit Union
Panama City, FL
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Total Assets 339.22M
Total Deposits 290.73M
Capital and Reserves Panhandle Credit Union
Panama City, FL
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Capital 43.36M
Leverage Ratio 13.38
Loan Loss Reserves to Loans 1.00%
Liquidity Panhandle Credit Union
Panama City, FL
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Hot Money Ratio 14.55%
Liquidity Ratio 28.78%
Profitability Panhandle Credit Union
Panama City, FL
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5-Year Return on Average Assets 0.93%
Net Income 1.63M
Net Interest Spread 5.04%
Operating Profit to Average Assets 1.15%
Overhead Efficiency Ratio 81.81%
Return on Assets 0.98%
Return on Equity 7.72%