TellerScore

Headquartered in Martinsburg, West Virginia, Eastern Panhandle Federal Credit Union is a federal credit union with $18.8M in total assets and $16.4M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1970.

Eastern Panhandle Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 21st. Problem-loan coverage contributes the most (98/100, 0.8%); capital cushion contributes the least (72/100, 12.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Net worth ratio: 12.18%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.16%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity90/100
Loans ÷ shares: 70.2% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (80 → 83), mostly because the earnings component weakened by 17 points.

TellerScore
597284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202468
Q4 202471
Q1 202576
Q2 202580
Q3 202584
Q4 202580
Q1 202666
Q2 202683
Net worth ratio
7.00%9.59%12.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.19%
Q3 202410.29%
Q4 202410.63%
Q1 202510.73%
Q2 202511.36%
Q3 202511.50%
Q4 202511.70%
Q1 202611.70%
Q2 202612.18%
Delinquent loans (60+ days)
0.11%0.43%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.48%
Q3 20240.14%
Q4 20240.15%
Q1 20250.36%
Q2 20250.36%
Q3 20250.11%
Q4 20250.40%
Q1 20260.76%
Q2 20260.16%
Return on assets
0.04%0.91%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.08%
Q3 20240.43%
Q4 20240.68%
Q1 20251.50%
Q2 20251.77%
Q3 20251.78%
Q4 20251.43%
Q1 20260.04%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$18.8M12.18%0.16%1.34%70.2%
Q1 202666$18.5M11.70%0.76%0.04%72.5%
Q4 202580$18.5M11.70%0.40%1.43%75.3%
Q3 202584$18.7M11.50%0.11%1.78%77.0%
Q2 202580$18.1M11.36%0.36%1.77%82.9%
Q1 202576$18.3M10.73%0.36%1.50%84.8%
Q4 202471$17.9M10.63%0.15%0.68%86.2%
Q3 202468$17.8M10.29%0.14%0.43%87.6%
Q2 202459$19.4M9.19%0.48%0.08%81.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.18%
33rd
Problem loans0.16%
76th
Net charge-offs0.48%
28th
Return on assets1.34%
81st
Loans to deposits70.2%
33rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.8%
69th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Martinsburg V.A. Center Federal Credit UnionCredit union Kearneysville, WV92 out of 100, Very strong$17.1M13.9%0.32%vs
Raleigh Co. Educators Federal Credit UnionCredit union Beckley, WV97 out of 100, Very strong$21.3M26.3%0.04%vs
Raleigh County Federal Credit UnionCredit union Beckley, WV79 out of 100, Strong$21.6M12.6%0.34%vs
Harrison County Federal Credit UnionCredit union Nutter Fort, WV91 out of 100, Very strong$15.6M18.4%0.14%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs
Cape Federal Credit UnionCredit union Clarksburg, WV38 out of 100, Low$15.5M6.0%1.58%vs

Deposit insurance

Is my money safe at Eastern Panhandle Federal Credit Union?

Yes. Eastern Panhandle Federal Credit Union is a federally insured credit union (NCUA charter #19890). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.18%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Eastern Panhandle Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Eastern Panhandle Federal Credit Union
Type
Federal credit union
NCUA charter #
19890
RSSD ID
451880
Primary regulator
NCUA
Established
1970
Headquarters
36 GM Access Rd, Martinsburg, WV 25403
Employees
6

Quick answers

Eastern Panhandle Federal Credit Union: common questions

Is Eastern Panhandle Federal Credit Union NCUA insured?

Yes. Eastern Panhandle Federal Credit Union is a federally insured credit union (NCUA charter #19890). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Eastern Panhandle Federal Credit Union's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Eastern Panhandle Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Martinsburg

InstitutionScoreAssetsCapitalProblem loansCompare
Martinsburg V.A. Center Federal Credit UnionCredit union Kearneysville, WV92 out of 100, Very strong$17.1M13.9%0.32%vs
Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD92 out of 100, Very strong$96.5M15.3%0.15%vs
Midway Federal Credit UnionCredit union Berryville, VA85 out of 100, Very strong$9.7M23.6%0.00%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
Berkeley County Public Schools Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$8.0M10.1%0.10%vs
167th Tfr Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$72.5M10.7%0.44%vs