PANHANDLE
Charter #12033 · Wellington, KS · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.44% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.23% sits at the 7th percentile of structural peers — worth a closer look.
- Efficiency ratio of 104.56% sits at the 97th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PANHANDLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.95M | 32th pct | 36th pct |
| Members | 3,905 | 26th pct | 38th pct |
| Net worth ratio | 16.44% | 79th pct | 82th pct |
| Return on average assets | -0.23% | 9th pct | 7th pct |
| Net interest margin | 3.20% | 23th pct | 30th pct |
| Cost of funds | 0.93% | 51th pct | 54th pct |
| Loan-to-share | 61.84% | 52th pct | 54th pct |
| Delinquency 60+ days | 0.35% | 33th pct | 46th pct |
| Net charge-off ratio | 0.18% | 43th pct | 57th pct |
| Loan growth YoY | -1.07% | 55th pct | 46th pct |
| Share growth YoY | 1.59% | 36th pct | 28th pct |
| Efficiency ratio | 104.56% | 96th pct | 97th pct |
structural peer set hash: 55cad9f32778c5e8e4aba8920ea7ec28… (reproducible)
Closest structural peers
This is the free public view
Claim PANHANDLE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.