BlastPoint's Credit Union Scorecard
PANHANDLE
Charter #12033 · KS
PANHANDLE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 17.36% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,879
+3.5% YoY+0.9% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$61.3M
-2.2% YoY-1.4% QoQ
|
+$31.1M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$33.3M
+4.9% YoY-0.5% QoQ
|
+$17.5M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$52.0M
-2.2% YoY-1.3% QoQ
|
+$26.3M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
83% |
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 |
0.0%
-93.9% YoY-66.6% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.3%
+6.3% YoY+4.7% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
99.9%
+15.6% YoY+1.5% QoQ
|
+17.4% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Top 11.1% in tier |
| Delinquency Rate |
0.7%
+180.6% YoY+184.2% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
64.0%
+7.2% YoY+0.8% QoQ
|
+3.4% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$21,965
-3.0% YoY-1.9% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Top 14.9% in tier |
| CD Concentration |
15.9%
-23.7% YoY-10.9% QoQ
|
-8.5% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)