Eastern Panhandle Federal Credit Union

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Overview / Commentary

www.easternpanhandlefcu.com

800-811-9605

36 GM Access Rd
Martinsburg, WV 25403

Eastern Panhandle Federal Credit Union is headquartered in Martinsburg and is the 42^nd largest credit union in the state of West Virginia. It is also the 3,757^th 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.
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Health

C+

Data as of Q2 2016

Learn more about bank health

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

Overall
NCUA #	19890
Year Chartered	1970
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.3%
Return on Equity - YTD	4.22%
Annual Interest Income	$229.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$15.4MM$14.6MM
Loans	Q2 2016vs Q2 2015	$9.0MM$8.1MM
Deposits	Q2 2016vs Q2 2015	$14.2MM$13.6MM
Equity Capital	Q2 2016vs Q2 2015	$1.1MM$1.0MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$58.00K$74.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$131.00K$59.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Eastern Panhandle Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Eastern Panhandle Federal Credit Union Locations
Branch Office	36 GM Access Rd	Martinsburg, WV 25403
Branch Office	499 Campus Dr	Martinsburg, WV 25404