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 Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 0.4 has resulted in Good (5.3) profitability.
Other Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (65%), home mtgs (3%), other (33%)
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