EASTERN PANHANDLE Credit Union Profile

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EASTERN PANHANDLE

Charter #19890 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (304) 263-2887

Fax: (304) 263-4310

Founding Date: N/A

Website: https://www.easternpanhandlefcu.com

Personnel & Operations

President: O Brien, Richard

Manager: Sheppard, Tina

FT Employees: 4

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 1

Hours: M-Fr 8-4 (These hours include drive up hour

Credit Union Profile Summary

EASTERN PANHANDLE is a FCU Credit Union. With a total of 2,863 members [1], this institution manages approximately $18,133,270 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.36% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -6.20% [1].

Financial Snapshot

Total Assets [1]
$18,133,270

Total economic resources.

Total Loans [1]
$13,239,511

Total value of outstanding loans.

Total Deposits [1]
$15,974,198

Total funds deposited by members.

Members [1]
2,863

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.36%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.78%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
82.88%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -6.67%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -6.20%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.70%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

36 GM Access Rd

Martinsburg, WV, 25403
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 1 branches reported by EASTERN PANHANDLE (Charter #19890).

Main Office

Main Office Main Office

Type: Corporate Office

36 GM Access Rd

Martinsburg, WV 25403

Phone: (304) 263-2887

Services: Member Services, ATM, Drive-Thru

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