Side-by-side · Q2 2026 data
Eastern Panhandle Federal Credit Union vs Cape Federal Credit Union
Credit union
Eastern Panhandle Federal Credit Union
Martinsburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Eastern Panhandle Federal Credit Union | Cape Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 38 |
| Capital cushion | 72 (stronger) | 10 |
| Loan quality | 95 (stronger) | 47 |
| Earnings | 74 (stronger) | 0 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 72nd | 3rd |
| Total assets | $18.8M | $15.5M |
| Deposits / shares | $16.4M | $14.5M |
| Capital ratio | 12.18% (stronger) | 6.05% |
| Problem loans | 0.16% (stronger) | 1.58% |
| Net charge-offs | 0.48% | 0.10% (stronger) |
| Return on assets | 1.34% (stronger) | -4.19% |
| Loans ÷ deposits | 70.2% | 32.2% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.5% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Eastern Panhandle Federal Credit Union has the higher TellerScore (83 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Eastern Panhandle Federal Credit Union leads on 5 and Cape Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.