Charter 68720 · Panama City, FL
Panhandle Credit Union
Panhandle Credit Union is a state-chartered credit union in Panama City, Florida, with $368 million in assets and 16,409 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.46%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $368 million
- +8.5% in a year
- Members
- 16,409
- +2.0% in a year
- Net worth ratio
- 13.46%
- Peer median 11.65%
- Loans 60+ days late
- 0.27%
- Peer median 0.70%
- Loans outstanding
- $208 million
- +4.6% in a year
- Shares and deposits
- $314 million
- +8.0% in a year
- Branches
- 7
- 72 employees
- Opened
- 1957
- Florida charter
How Panhandle Credit Union compares
NCUA groups credit unions by size; Panhandle Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.46% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.27%, is lower than the group median of 0.70%. Loans grew 4.6% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 42 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $368 million | 16,409 | $208 million | 13.46% | 0.27% |
| Q1 2026 | $364 million | 16,238 | $205 million | 13.24% | 0.19% |
| Q4 2025 | $357 million | 16,187 | $206 million | 13.21% | 0.29% |
| Q3 2025 | $349 million | 16,220 | $203 million | 13.18% | 0.28% |
| Q2 2025 | $339 million | 16,089 | $199 million | 13.35% | 0.26% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 400,097 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Panhandle Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Panhandle Credit Union (main office)
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 - Panhandle Credit Union
1100 School Ave, Panama City, FL 32401 - Panhandle Credit Union
301 N Richard Jackson Blvd, Panama City Beach, FL 32407 - Panhandle Credit Union
8008 Highway 77, Southport, FL 32409 - Panhandle Credit Union
1912 S Highway 77, Lynn Haven, FL 32444 - Panhandle Credit Union
4295 N Highway 231, Panama City, FL 32404 - Panhandle Credit Union
2724 Martin Luther King Jr Blvd, Panama City, FL 32405
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology