BlastPoint's Credit Union Scorecard
PANHANDLE
Charter #12033 · KS
PANHANDLE has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Member Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.31% below tier average
- - Efficiency ratio 14.00% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 4.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits +2.2% year over year ($53.1M in shares and deposits).
- Membership: 3,949 members, +3.8% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 0.18%.
- Efficiency ratio 102.76% vs a 88.77% peer average.
- Loan-to-share ratio 61.65% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,949
+3.8% YoY+1.1% QoQ
|
+1.4K |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$62.5M
+1.0% YoY-0.8% QoQ
|
+$32.2M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$32.7M
-1.7% YoY-1.1% QoQ
|
+$17.3M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
Top 14.9% in tier |
| Deposits |
$53.1M
+2.2% YoY-0.8% QoQ
|
+$27.3M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
84% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
+47.0% YoY-180.4% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.5% in tier |
| NIM |
3.2%
+1.5% YoY+0.9% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
102.8%
+6.2% YoY-1.7% QoQ
|
+14.0% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
0.2%
-9.6% YoY-30.9% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
61.6%
-3.8% YoY-0.3% QoQ
|
+2.8% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$21,725
-3.0% YoY-2.0% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
16.8%
-9.4% YoY+1.7% QoQ
|
-7.7% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)