Side-by-side · Q2 2026 data
Bank Of Clarke vs Eastern Panhandle Federal Credit Union
Credit union
Eastern Panhandle Federal Credit Union
Martinsburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Bank Of Clarke | Eastern Panhandle Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 83 (stronger) |
| Capital cushion | 73 (stronger) | 72 |
| Loan quality | 64 | 95 (stronger) |
| Earnings | 61 | 74 (stronger) |
| Funding & liquidity | 54 | 90 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 44th | 72nd |
| Total assets | $1.8B | $18.8M |
| Deposits / shares | $1.6B | $16.4M |
| Capital ratio | 12.27% (stronger) | 12.18% |
| Problem loans | 1.07% | 0.16% (stronger) |
| Net charge-offs | 0.30% (stronger) | 0.48% |
| Return on assets | 1.02% | 1.34% (stronger) |
| Loans ÷ deposits | 92.8% | 70.2% (stronger) |
| Uninsured deposits | 26.5% | 0.0% (stronger) |
| Offices | 14 | 3 |
| CFPB complaints (3 yrs) | 119 | — |
| Complaints per $1B deposits | 74.2 | — |
| Mortgage denial rate (HMDA) | — | — |
Eastern Panhandle Federal Credit Union has the higher TellerScore (83 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Bank Of Clarke leads on 2 and Eastern Panhandle Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.