Eastern Panhandle Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). A current level of 12.7 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Fair asset quality (4.3).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 21.6 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.6 has resulted in Fair (4.6) profitability.
Asset Mix:
Consumer loans (62%), home mtgs (3%), other (35%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
36 GM Access Road
Martinsburg, WV 25403
Martinsburg, WV 25403
Phone Number
(304) 263-2887
NCUA Charter Number
Largest Competitors
New Martinsville, WV
Fairmont, WV
Martinsburg, WV
Martinsburg, WV