A scratch golfer takes a penalty about every other round. A 25 handicap takes one every four holes. Here are penalty strokes per round from 0 to 25, with the rest of the stat line next to them.
A scratch golfer and a 20 handicap hit nearly the same number of fairways, about 7 and 6 of 14. Here is fairway % by handicap from 0 to 30, with the rest of the stat line next to it.
A scratch golfer gets up and down about half the time, a 25 handicap about one time in four. Here is up-and-down % by handicap from 0 to 25, with the rest of the stat line next to it.
A 90 is the typical score of a 15 handicap, which puts you in the middle of US golfers who keep an index. Here is what 90 means at every level, and the stat line behind it.
A 5 handicap averages 79 to 81, not 77. Here is the stat line behind that number, side by side with every handicap from scratch to 30.
A 30 handicap averages 105 to 108, not 102. Here is the stat line behind that number, what the published data does and does not cover, and how it compares to scratch through 25.