Side-by-side · Q2 2026 data
Eastern Panhandle Federal Credit Union vs Hancock School Emp. Federal Credit Union
Credit union
Eastern Panhandle Federal Credit Union
Martinsburg, West Virginia · Under $100 million in assets
Credit union
Hancock School Emp. Federal Credit Union
Weirton, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Eastern Panhandle Federal Credit Union | Hancock School Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 72 (stronger) | 66 |
| Loan quality | 95 (stronger) | 86 |
| Earnings | 74 (stronger) | 48 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 72nd | 54th |
| Total assets | $18.8M | $24.0M |
| Deposits / shares | $16.4M | $21.3M |
| Capital ratio | 12.18% (stronger) | 11.59% |
| Problem loans | 0.16% (stronger) | 0.41% |
| Net charge-offs | 0.48% | 0.00% (stronger) |
| Return on assets | 1.34% (stronger) | 0.70% |
| Loans ÷ deposits | 70.2% | 24.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 11.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Eastern Panhandle Federal Credit Union has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Eastern Panhandle Federal Credit Union leads on 5 and Hancock School Emp. Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.