Side-by-side · Q2 2026 data
Bull Dog Federal Credit Union 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 | Bull Dog Federal Credit Union | Eastern Panhandle Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 74 (stronger) | 72 |
| Loan quality | 56 | 95 (stronger) |
| Earnings | 63 | 74 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 60th | 72nd |
| Total assets | $237.7M | $18.8M |
| Deposits / shares | $214.7M | $16.4M |
| Capital ratio | 12.37% (stronger) | 12.18% |
| Problem loans | 1.31% | 0.16% (stronger) |
| Net charge-offs | 0.98% | 0.48% (stronger) |
| Return on assets | 1.07% | 1.34% (stronger) |
| Loans ÷ deposits | 40.1% (stronger) | 70.2% |
| Uninsured deposits | 2.5% | 0.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Eastern Panhandle Federal Credit Union has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bull Dog Federal Credit Union 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.