PANHANDLE Credit Union Profile

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PANHANDLE

Charter #68720 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (850) 769-3306

Fax: (850) 769-8660

Founding Date: N/A

Website: http://www.panhandlecu.org

Personnel & Operations

President: Daniels, Herman

Manager: Hall, Justin

FT Employees: 71

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 7

Hours: Lobby M-F 8:30 - 5:00 Drive Thru Mon-Thur

Credit Union Profile Summary

PANHANDLE is a FISCU Credit Union. With a total of 16,089 members ^[1], this institution manages approximately $339,224,232 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.35% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.83% ^[1].

Financial Snapshot

Total Assets ^[1]

$339,224,232

Total economic resources.

Total Loans ^[1]

$198,512,254

Total value of outstanding loans.

Total Deposits ^[1]

$290,726,085

Total funds deposited by members.

Members ^[1]

16,089

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

13.35%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.97%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

68.28%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 5.68%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 1.83%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 1.93%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2718 Martin Luther King Jr Blvd

Panama City, FL, 32405-4408

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 7 branches reported by PANHANDLE (Charter #68720).

Main Office

Panhandle Credit Union Main Office

Type: Corporate Office

2718 Martin Luther King Jr Blvd

Panama City, FL 32405-4408

Phone: (850) 769-3306

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Lynn Haven