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Overview / Commentary
36 GM Access Rd
Martinsburg, WV 25403

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 3,757th largest credit union in the nation. It was established in 1970 and as of June of 2016, it had grown to 5 employees and 2,853 members at 2 locations. Eastern Panhandle Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Jefferson, Morgan and Berkeley Counties in West Virginia.
See current membership details


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Additional 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

NCUA #19890
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD4.22%
Annual Interest Income$229.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$15.4MM$14.6MM
LoansQ2 2016vs Q2 2015$9.0MM$8.1MM
DepositsQ2 2016vs Q2 2015$14.2MM$13.6MM
Equity CapitalQ2 2016vs Q2 2015$1.1MM$1.0MM
Loan Loss AllowanceQ2 2016vs Q2 2015$58.00K$74.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$131.00K$59.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Eastern Panhandle Federal Credit Union Savings Account Rates

0.10%--Youth Share
0.05%*$2,500*-Regular Share
OTHER TIERS: 0.03% Up to $2,500
0.03%--Vacation Club
0.03%--Christmas Club

Eastern Panhandle Federal Credit Union Locations
Branch Office36 GM Access RdMartinsburg, WV 25403
Branch Office499 Campus DrMartinsburg, WV 25404