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National Credit Union Service Organization

PANHANDLE CREDIT UNION

Jun, 30, 2021 — PANHANDLE CREDIT UNION is a federally insured state chartered credit union headquartered in Panama City, FL with 7 branch locations and about $286.42 million in total assets. Opened 64 years ago in 1957, PANHANDLE CREDIT UNION has about 14,249 members and employs 58 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 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.panhandlecu.org
Branches:7 branch locations
Members:14,249
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68720
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1957
Last Audited:Sep 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$286,419,870
CEO/Manager:Justin Hall
Chairperson:Herman G Daniels

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 92,583,539
TOTAL INVESTMENTS 53,213,864
Loans Held for Sale 393,250
 
 Real Estate Loans 74,757,248
 Unsecured Loans 5,886,909
 Other Loans 47,394,580
 TOTAL LOANS 128,711,282
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,785,362
 Land And Building 9,769,109
 Other Fixed Assets 634,650
 NCUSIF Deposit 2,111,560
 All Other Assets 787,978
  TOTAL ASSETS 286,419,870
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 4,290,627
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 76,113,369
 Regular shares 109,586,590
 All Other Shares & Deposits 62,834,423
  TOTAL SHARES & DEPOSITS 248,534,382
  TOTAL LIABILITIES 252,825,009
 Regular Reserve 1,724,461
 Other Reserves 187,645
 Undivided Earnings 31,682,755
  TOTAL EQUITY 33,594,861
  TOTAL LIABILITIES, SHARES, & EQUITY 286,419,870
INCOME & EXPENSE  
 Loan Income 3,122,174
 Investment Income 322,126
 Other Income 619,237
 Total Employee Compensation & Benefits 1,804,956
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,029,381
 Non-operating Income & (Expense) 22,439
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 90,000
 Cost of Funds 203,891
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,180,829
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