Eastern Panhandle Federal Credit Union
Overview / Commentary
Eastern Panhandle Federal Credit Union is headquartered in Martinsburg and is the 42nd largest credit union in the state of West Virginia. It is also the 3,266th largest credit union in the nation. It was established in 1970 and as of March of 2025, it had grown to 4 employees and 2,831 members at 1 location. Eastern Panhandle Federal Credit Union has a B health rating.
Field of Membership Restrictions
Eastern Panhandle Federal Credit Union is open to businesses and other legal entities, and those who reside, work, attend school or worship in Jefferson, Morgan and Berkeley Counties in West Virginia.
See current membership details
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Eastern Panhandle Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 19890 |
| Year Chartered | 1970 |
| Employees | 4 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.52% |
| Return on Equity - YTD | 13.96% |
| Annual Interest Income | $234K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $18.3MM$18.9MM |
| Loans | Q1 2025vs Q1 2024 | $13.7MM$14.2MM |
| Deposits | Q1 2025vs Q1 2024 | $16.2MM$16.9MM |
| Equity Capital | Q1 2025vs Q1 2024 | $2MM$1.8MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $155K$114K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $49K$244K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |