PANHANDLE
State-Chartered • Panama City, Florida • Est. 1957
Quick Facts
- Charter Number
- #68720
- Type
- State-Chartered
- Established
- 1957
- Headquarters
- Panama City, Florida 32405-4408
- Address
- 2718 Martin Luther King Jr Blvd
- Branches
- 7
- ATMs
- 5
- Members
- 16,187
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
16,187 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | PANHANDLE |
|---|---|
| Total Assets | $356.9M |
| Members | 16,187 |
| Loans Outstanding | $206.3M |
| Shares & Deposits | $307.0M |
| Net Worth | $47.2M |
| Net Worth Ratio | 13.21% |
| Loan-to-Share Ratio | 67.2% |
| Delinquency Rate | 0.29% |
| Net Income | +$4,499,229 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
7 locations · 5 ATMs
Panhandle Credit Union
Main Office2718 Martin Luther King Jr Blvd
Panama City, FL 32405-4408
Panhandle Credit Union
1100 School Ave
Panama City, FL 32401-5040
Panhandle Credit Union
301 N Richard Jackson Blvd
Panama City Beach, FL 32407-3680
Panhandle Credit Union
8008 Highway 77
Southport, FL 32409
Panhandle Credit Union
1912 S Highway 77
Lynn Haven, FL 32444
Who Can Join PANHANDLE?
Membership Type: Community
Membership eligibility for PANHANDLE may vary. Contact the credit union directly to confirm qualification requirements.
Contact PANHANDLE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. PANHANDLE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, PANHANDLE has 16,187 members and a potential membership field of 427,322 people.
PANHANDLE's net worth ratio is 13.21% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.2%, PANHANDLE meets this threshold.
PANHANDLE operates 7 branch locations and has access to 5 ATMs. The main office is located at 2718 Martin Luther King Jr Blvd, Panama City, FL 32405-4408.
PANHANDLE was established in 1957. It is a state-chartered credit union chartered under charter number 68720. The institution has been serving members for 69 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or PANHANDLE. All financial data is for informational purposes only.