PANHANDLE
Charter #12033 | KS
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in KS
PANHANDLE has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 17.02% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 4.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,843
+2.1% YoY+1.0% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
Top 22.9% in tier |
| Assets |
$62.2M
-1.0% YoY+0.5% QoQ
|
+$32.3M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
Top 15.9% in tier |
| Loans |
$33.4M
+9.1% YoY+0.4% QoQ
|
+$17.7M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
Top 15.3% in tier |
| Deposits |
$52.6M
-0.7% YoY+1.3% QoQ
|
+$27.2M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
Top 16.5% in tier |
| ROA |
0.1%
-81.1% YoY-25.9% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 19.3% in tier |
| NIM |
3.2%
+2.5% YoY+1.4% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 23.4% in tier |
| Efficiency Ratio |
98.4%
+13.9% YoY+1.7% QoQ
|
+17.0% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 12.4% in tier |
| Delinquency Rate |
0.2%
-7.8% YoY-9.2% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
30th in tier |
| Loan To Share |
63.5%
+9.9% YoY-0.9% QoQ
|
+2.3% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
53rd in tier |
| AMR |
$22,395
+0.8% YoY-0.1% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
Top 13.1% in tier |
| CD Concentration |
17.8%
-18.8% YoY-4.0% QoQ
|
-6.6% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
314
Loan Growth Rate
growth
Value:
9.14%
Peer Avg: 59.01%
#314 of 2596
Top 12.1% in <100M tier
341
Average Member Relationship (AMR)
engagement
Value:
$22,395
Peer Avg: $14,627
#341 of 2596
Top 13.1% in <100M tier
352
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,698
Peer Avg: $5,488
#352 of 2596
Top 13.5% in <100M tier
396
Total Loans
balance_sheet
Value:
$33.43M
Peer Avg: $15.77M
#396 of 2596
Top 15.2% in <100M tier
414
Total Assets
balance_sheet
Value:
$62.16M
Peer Avg: $29.86M
#414 of 2596
Top 15.9% in <100M tier
424
Member Growth Rate
growth
Value:
2.13%
Peer Avg: 14.92%
#424 of 2596
Top 16.3% in <100M tier
428
Total Deposits
balance_sheet
Value:
$52.64M
Peer Avg: $25.45M
#428 of 2596
Top 16.4% in <100M tier
595
Total Members
engagement
Value:
3,843
Peer Avg: 2,626
#595 of 2596
Top 22.9% in <100M tier
Top Weaknesses (5 metrics)
2479
First Mortgage Concentration (%)
balance_sheet
Value:
57.89%
Peer Avg: 14.49%
#2479 of 2596
Bottom 4.5% in <100M tier
2276
Efficiency Ratio
profitability
Value:
98.41%
Peer Avg: 81.39%
#2276 of 2596
Bottom 12.4% in <100M tier
2130
Members Per Employee (MPE)
engagement
Value:
213.500
Peer Avg: 365.701
#2130 of 2596
Bottom 18.0% in <100M tier
2095
Return on Assets (ROA)
profitability
Value:
0.09%
Peer Avg: 0.68%
#2095 of 2596
Bottom 19.3% in <100M tier
1989
Net Interest Margin (NIM)
profitability
Value:
3.18%
Peer Avg: 3.93%
#1989 of 2596
Bottom 23.4% in <100M tier