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PANHANDLE EDUCATORS FEDERAL CREDIT UNION

Mar, 31, 2022 — PANHANDLE EDUCATORS FEDERAL CREDIT UNION is a federal credit union headquartered in Panama City, FL with 6 branch locations and about $263.23 million in total assets. Opened 65 years ago in 1957, PANHANDLE EDUCATORS FEDERAL CREDIT UNION has about 13,872 members and employs 54 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 263281527
Name:PANHANDLE EDUCATORS FEDERAL CREDIT UNION
Address:
(Main Office)
2718 Martin Luther King Jr Blvd
Panama City, FL 32405-4408
Phone:(850) 769-3306
Fax:(850) 769-8660
Website:http://www.pefcu.org
Branches:6 branch locations
Members:13,872
Credit Union Type:Federal Credit Union
Charter Number:11804
Membership Type:Multiple common bond - Primarily educational
Corporate Credit Union:No
Year Opened:1957
Last Audited:Sep 01, 2019
FHLB Member:Yes
Low Income Designation:No
Assets:$263,226,517
CEO/Manager:Justin Hall
Chairperson:Herman G Daniels

Call Report

  • Commercial Loans
  • Credit Builder
  • Interest Only or Payment Option 1st Mortgage Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 87,167,672
TOTAL INVESTMENTS 42,963,994
Loans Held for Sale 351,489
 
 Real Estate Loans 69,076,266
 Unsecured Loans 5,620,373
 Other Loans 47,778,743
 TOTAL LOANS 123,106,344
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,648,995
 Land And Building 7,442,035
 Other Fixed Assets 1,050,680
 NCUSIF Deposit 2,018,156
 All Other Assets 775,142
  TOTAL ASSETS 263,226,517
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 3,456,076
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 68,911,914
 Regular shares 97,250,737
 All Other Shares & Deposits 61,603,090
  TOTAL SHARES & DEPOSITS 227,765,741
  TOTAL LIABILITIES 231,221,817
 Regular Reserve 1,724,461
 Other Reserves 394,251
 Undivided Earnings 29,885,988
  TOTAL EQUITY 32,004,700
  TOTAL LIABILITIES, SHARES, & EQUITY 263,226,517
INCOME & EXPENSE  
 Loan Income 4,457,372
 Investment Income 958,495
 Other Income 2,478,524
 Total Employee Compensation & Benefits 2,567,466
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,848,143
 Non-operating Income & (Expense) 51,044
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 380,000
 Cost of Funds 470,636
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,679,190
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