Eastern Panhandle

Martinsburg, WV · 1 · Charter #19890 · www.easternpanhandlefcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$18.5M
60th percentile
Members
2,745
80th percentile
Total loans
$12.2M
72th percentile
Total shares
$16.2M
61th percentile

Profitability

Return on assets
1.47%
78th percentile
Net interest margin
4.93%
81th percentile
Efficiency ratio
75.28%
33th percentile
Non-interest income ratio
24.50%
90th percentile

Capital & Risk

Net worth ratio
11.70%
28th percentile
Delinquency rate
0.40%
62th percentile
Net charge-off rate
0.52%
31th percentile
Loan-to-share
75.29%
70th percentile

Growth

Member growth YoY
-3.62%
27th percentile
Asset growth YoY
3.52%
65th percentile
Loan growth YoY
-10.68%
22th percentile
Share growth YoY
2.24%
60th percentile

Operations

Members / branch
2,745
89th percentile
Assets / member
$6,733
28th percentile
Field of membership penetration
1.31%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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