Panhandle Credit Union
The credit union's mission is to promote thrift among its members and create a source of credit for them at legitimate rates of interest. The credit union serves members in the greater bay, calhoun, gulf, holmes, jackson, walton and Washington counties in Florida. The total number of members is in excess of 15,800.
Panhandle Credit Union at a glance
In short: Panhandle Credit Union gave $5K across 1 grant in 2024 (avg $5K), mostly in Florida. Source: 2024 IRS Form 990.
- Annual giving (2024)
- $5,162
- -16.0% vs 2023
- Grants made (2024)
- 1
- +0.0% vs 2023
- Average grant
- $5,162
- -16.0% vs 2023
- Median grant
- $5,162
- Total assets
- $327,956,181
- +6.7% vs 2023
- Primary geography
- Florida (100% of itemized 2024 grant dollars)
- Latest 990 filing
- Form 990, 2024 View filing
Data from IRS Form 990, 2024; updated September 2026.
Who Panhandle Credit Union funds
How this funder distributes its grants
Top Recipients
Top recipient in 2024
The largest 2024 recipient was United Way of Northwest Florida Inc ($5K).
Grant Size Distribution
3 grants across all recorded years
The most common grant size was under $50K: 3 grants of 3 (100%).
Geographic Focus
Where this funder awards grants
Grant Distribution by State
Share of the 2024 grant dollars on its one itemized grant.
States
Cities
How Panhandle Credit Union gives
- Giving fell 74% from 2021 to 2024. Method
From the foundation's IRS Form 990 filings. Methodology.
Giving History
Giving Over Time
Total grant dollars and number of grants per year
From 2020 to 2024, annual grant giving ranged from $4K (2020) to $21K (2022). In 2024 it made 1 grant totaling $5K.
Hatched bars: grants paid as reported on the IRS filing, which lists no individual grants for that year.
Grants by year
Grant recipients and amounts by year
| Recipient | Purpose | Amount |
|---|---|---|
| United Way of Northwest Florida Inc Panama City, FL | United Way Funding | $5,162 |
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Financial History
Multi-year comparison from IRS filings
| Filing year | Total Assets | Revenue | Expenses | Grants paid | Grants | Net Investment Income |
|---|---|---|---|---|---|---|
| 2024 | $327,956,181 | $19,997,576 | $17,087,124 | $5,162 | 1 | $3,664,580 |
| 2023 | $307,340,662 | $17,116,551 | $13,654,991 | $6,148 | 1 | $3,045,083 |
| 2022 | $298,300,656 | $12,428,355 | $9,436,095 | $21,154 | Total only | $1,313,812 |
| 2021 | $295,525,875 | $10,829,563 | $8,458,084 | $20,000 | 1 | $764,725 |
| 2020 | $263,722,313 | $1,750,718 | $1,535,056 | $4,447 | Total only | $121,887 |
"Total only": grants paid as reported on the IRS filing, which lists no individual grants for that year.
About Panhandle Credit Union
Based on IRS filings
Panhandle Credit Union is a public charity, based in Panama City, FL. IRS filing data is available from 2020 through 2024. As of 2024, the organization holds $328.0M in total assets. In 2024, it awarded 1 grant totaling $5K. Net investment income was $3.7M.
Leadership & Key People
Officers and directors from IRS filings
Panhandle Credit Union is led by Leonard Justin Hall, President & CEO on every filing since 2020; 9 of 17 officers listed in 2024 are compensated.
Officers on the 2024 filing
Leonard Justin Hall
President & CEO
On filings since 2020
40 hrs/week
$140K (2020) → $362K (2024)
Herman G. Daniels
Chairman
On filings since 2020
1 hr/week
No compensation reported
Cynthia Reimers
Director of Business Lendi
Director of Business Lending → Director of Business Lendi, 2024
On filings since 2023
40 hrs/week
$102K (2023) → $112K (2024)
Keith Herrick
Vice President of Digital Services
Assistant Vice President of Operations → Vice President of Digital Services, 2024
On filings since 2020
40 hrs/week
$59K (2020) → $105K (2024)
Maura Hood
Vice President of Retail Lending
On filings since 2020
40 hrs/week
$71K (2020) → $110K (2024)
Amanda Pitts
Chief Operations Officer
Vice President of Operations → Chief Operations Officer, 2023
On filings since 2021
40 hrs/week
$62K (2021) → $145K (2024)
Sarah E. Allison
CFO
On filings since 2022
40 hrs/week
$120K (2022) → $191K (2024)
John D. Whitlock
Clo
On filings since 2023
40 hrs/week
$137K (2023) → $193K (2024)
Anita M. Mayer
Chief of Risk & Compliance
New on the 2024 filing
40 hrs/week
$152K (2024)
Cindy Wood
Human Resources Manager
New on the 2024 filing
40 hrs/week
$103K (2024)
Fred W. Denecke
Board Member
Director → Board Member, 2024
On filings since 2020
1 hr/week
No compensation reported
John D. Mercer
Treasurer
On filings since 2020
1 hr/week
No compensation reported
Sandra D. Davis
Secretary
On filings since 2020
1 hr/week
No compensation reported
William V. Husfelt
Board Member
Director → Board Member, 2024
On filings since 2020
1 hr/week
No compensation reported
Wl Anderson
Vice Chairman
On filings since 2020
1 hr/week
No compensation reported
Christopher Brooks
Board Member
New on the 2024 filing
1 hr/week
No compensation reported
William Kinsaul
Board Member
New on the 2024 filing
1 hr/week
No compensation reported
Former officers (5)
- Former: Bill Kinsaul (2020–2023) — Director
- Former: Grover L. Holland (2020–2023) — Director
- Former: Karen Barss (2020–2022) — Senior Vice President of Finance
- Former: Leslie Bevis (2020–2022) — Mortgage Manager
- Former: William Greg Frith (2020) — Former President & CEO
Data from IRS Form 990 filings, 2020–2024. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.
Compensation Overview
From 2024 IRS filing
The highest reported compensation on the 2024 filing was $362K, to Leonard Justin Hall (President/CEO). 9 officers or directors reported compensation on that filing.
Frequently asked questions about Panhandle Credit Union
How much does Panhandle Credit Union give each year?
Panhandle Credit Union gave $5K across 1 grant in 2024, according to its 2024 IRS Form 990. In 2023 it gave $6K across 1 grant.
How large is Panhandle Credit Union?
Panhandle Credit Union reported $328.0M in total assets on its 2024 IRS Form 990. Its revenue that year was $20.0M.
Where does Panhandle Credit Union operate?
Panhandle Credit Union has awarded grants in Florida.
What is Panhandle Credit Union's EIN?
Panhandle Credit Union's EIN (Employer Identification Number) is 85-3981152. IRS Form 990 filing data is available on this page for 2020–2024.
Data last updated September 2026. Sourced from IRS Form 990 filings.
Data update history
(6)
When this profile's IRS filing data changed on Grantable
- Updated Form 990 for fiscal year 2020 (received by the IRS September 22, 2022)
- Updated Form 990 for fiscal year 2021 (received by the IRS October 28, 2022)
- Updated Form 990 for fiscal year 2022 (received by the IRS September 18, 2023)
- Updated Form 990 for fiscal year 2023 (received by the IRS October 30, 2024)
- Updated Form 990 for fiscal year 2024 (received by the IRS November 13, 2025)
- IRS filings on file for fiscal years 2020–2024
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