BlastPoint's Credit Union Scorecard
PANHANDLE
Charter #68720 · FL
PANHANDLE has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.43% above tier average
- + Fee Income Per Member: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +8.0% year over year ($314M in shares and deposits).
- Membership: 16,409 members, +2.0% vs a year ago.
- Delinquency rate 0.27%.
- Return on assets 1.30%.
- Efficiency ratio 72.32% vs a 76.73% peer average.
- Loan-to-share ratio 66.16% vs a 71.54% 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 (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,409
+2.0% YoY+1.1% QoQ
|
+1.2K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$367.9M
+8.5% YoY+1.2% QoQ
|
+$135.9M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
85% |
| Loans |
$207.6M
+4.6% YoY+1.5% QoQ
|
+$61.4M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$313.8M
+8.0% YoY+0.3% QoQ
|
+$113.1M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% 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 |
1.3%
+34.3% YoY+21.0% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
3.7%
+1.2% YoY+0.3% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
72.3%
-6.3% YoY-4.8% QoQ
|
-4.4% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
33% |
| Delinquency Rate |
0.3%
+2.7% YoY+41.2% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
66.2%
-3.1% YoY+1.1% QoQ
|
-5.4% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$31,780
+4.5% YoY-0.3% QoQ
|
+$7K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
25.7%
+6.3% YoY-1.6% QoQ
|
+1.2% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % |
2.4%
-27.5% YoY-12.8% QoQ
|
-11.3% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)