B
Eastern Panhandle Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
11.50
Leverage
Ratio
11.50
Return On
Assets
1.83%
Total
Assets
18.69M
Capital
2.15M
Total
Deposits
16.40M
Net
Income
250.00K
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Weiss Ratings Eastern Panhandle Federal Credit Union
Martinsburg, WV 		Click to
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Rating B
Asset Quality Index 8.60
Capitalization Index 9.90
Liquidity Index 4.60
Profitability Index 9.00
Stability Index 4.80
Company Info Eastern Panhandle Federal Credit Union
Martinsburg, WV 		Click to
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NCUA Charter Number 3449
Phone Number (304) 263-2887
Website www.easternpanhandlefcu.com
Asset Quality Eastern Panhandle Federal Credit Union
Martinsburg, WV 		Click to
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1-Year Asset Growth 4.82%
5-Year Asset Growth 2.15%
5-Year Charge-Offs to Average Loans 0.40%
Charge-Offs to Average Loans 0.40%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.57%
Non-Performing Loans to Loans 0.10%
Balance Sheet Eastern Panhandle Federal Credit Union
Martinsburg, WV 		Click to
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Total Assets 18.69M
Total Deposits 16.40M
Capital and Reserves Eastern Panhandle Federal Credit Union
Martinsburg, WV 		Click to
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Capital 2.15M
Leverage Ratio 11.50
Loan Loss Reserves to Loans 1.19%
Liquidity Eastern Panhandle Federal Credit Union
Martinsburg, WV 		Click to
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Hot Money Ratio 0.00%
Liquidity Ratio 29.32%
Profitability Eastern Panhandle Federal Credit Union
Martinsburg, WV 		Click to
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5-Year Return on Average Assets 0.77%
Net Income 250.00K
Net Interest Spread 5.77%
Operating Profit to Average Assets 1.83%
Overhead Efficiency Ratio 72.86%
Return on Assets 1.83%
Return on Equity 16.53%