BlastPoint's Credit Union Scorecard

PANHANDLE

Charter #68720 · FL

1077 CUs in 100M-500M nationally 35 in FL

PANHANDLE has 7 strengths but faces 1 concern

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 15.3% in tier
+ Organic Growth Leader: Top 19.0% in tier
+ Credit Quality Leader: Top 63.7% in tier
+ Relationship Depth Leader: Top 75.8% in tier
+ ROA 0.25% above tier average
+ Net Interest Margin 0.15% above tier average
+ Fee Income Per Member: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Members Per Employee (MPE): Bottom 7.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	16,220 +2.1% YoY+0.8% QoQ	+591	15,628 -3.4% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	62%
Assets	$349.1M +6.1% YoY+2.9% QoQ	+$117.8M	$231.3M -0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	82%
Loans	$202.7M +4.0% YoY+2.1% QoQ	+$54.9M	$147.8M -1.4% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	76%
Deposits	$300.3M +5.4% YoY+3.3% QoQ	+$100.0M	$200.3M -0.0% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	81%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +23.7% YoY+7.6% QoQ	+0.3%	0.8% +15.5% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	68%
NIM	3.7% +7.6% YoY+1.5% QoQ	+0.2%	3.6% +6.9% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	58%
Efficiency Ratio	75.4% -4.0% YoY-2.3% QoQ	-1.8%	77.3% -3.0% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	44%
Delinquency Rate	0.3% -3.8% YoY+6.2% QoQ	-0.6	0.9% +7.6% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	17%
Loan To Share	67.5% -1.3% YoY-1.2% QoQ	-5.2%	72.7% -1.5% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	35%
AMR	$31,006 +2.7% YoY+2.0% QoQ	+$7K	$24,363 +2.9% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	Top 14.2% in tier
CD Concentration	24.0% -0.7% YoY-0.9% QoQ	-0.5%	24.4% +4.2% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	3.2% -21.9% YoY-2.2% QoQ	-10.8%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#282 of 603 • Top 15.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.05%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.04%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 3.19%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#251 of 430 • Top 19.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.05%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 3.19%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Credit Quality Leader

growth

#217 of 340 • Top 63.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.28%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.01% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Relationship Depth Leader

growth

#195 of 257 • Top 75.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.71%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $4.8K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Fee Income Per Member

profitability

Value: $274.61

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

153

Average Member Relationship (AMR)

engagement

Value: $31,006

Peer Avg: -

#153 of 1077 Top 14.1% in 100M-500M tier

183

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Avg: -

#183 of 1077 Top 16.9% in 100M-500M tier

196

Total Assets

balance_sheet

Value: $349.13M

Peer Avg: -

#196 of 1077 Top 18.1% in 100M-500M tier

201

Total Deposits

balance_sheet

Value: $300.27M

Peer Avg: -

#201 of 1077 Top 18.6% in 100M-500M tier

222

Loan-to-Member Ratio (LMR)

engagement

Value: $12,494

Peer Avg: -

#222 of 1077 Top 20.5% in 100M-500M tier

259

Total Loans

balance_sheet

Value: $202.65M

Peer Avg: -

#259 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (1 metrics)

999

Members Per Employee (MPE)

engagement

Value: 216.267

Peer Avg: -

#999 of 1077 Bottom 7.3% in 100M-500M tier