PANHANDLE
Charter #68720 · Panama City, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.34% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.19% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 46th — a 18-point gap showing why the peer definition matters.
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 | $363.67M | 84th pct | 67th pct |
| Members | 16,238 | 64th pct | 46th pct |
| Net worth ratio | 13.24% | 71th pct | 70th pct |
| Return on average assets | 1.08% | 74th pct | 64th pct |
| Net interest margin | 3.75% | 57th pct | 72th pct |
| Cost of funds | 0.34% | 14th pct | 18th pct |
| Loan-to-share | 65.41% | 36th pct | 43th pct |
| Delinquency 60+ days | 0.19% | 13th pct | 15th pct |
| Net charge-off ratio | 0.28% | 41th pct | 57th pct |
| Loan growth YoY | 0.99% | 57th pct | 59th pct |
| Share growth YoY | 4.20% | 61th pct | 61th pct |
| Efficiency ratio | 75.97% | 41th pct | 44th pct |
structural peer set hash: 0e1edf082932c855de02fb8c50a341b1… (reproducible)
Closest structural peers
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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.