EASTERN PANHANDLE
Federal • Martinsburg, West Virginia • Est. 1970
Quick Facts
- Charter Number
- #19890
- Type
- Federal
- Established
- 1970
- Headquarters
- Martinsburg, West Virginia 25403
- Address
- 36 GM Access Rd
- Branches
- 3
- ATMs
- 1
- Members
- 2,745
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
2,745 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EASTERN PANHANDLE |
|---|---|
| Total Assets | $18.5M |
| Members | 2,745 |
| Loans Outstanding | $12.2M |
| Shares & Deposits | $16.2M |
| Net Worth | $2.2M |
| Net Worth Ratio | 11.70% |
| Loan-to-Share Ratio | 75.3% |
| Delinquency Rate | 0.40% |
| Net Income | +$272,115 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 1 ATMs
Main Office
Main Office36 GM Access Rd
Martinsburg, WV 25403
Disaster Recovery CUs
Martinsburg VA FCU or Berkeley Co Schools FCU
Kearneysville, WV 25430
Vital Records
10300 Eaton Pl Ste 260
Fairfax, VA 22030-2255
Who Can Join EASTERN PANHANDLE?
Membership Type: Other/Unknown
Membership eligibility for EASTERN PANHANDLE may vary. Contact the credit union directly to confirm qualification requirements.
Contact EASTERN PANHANDLE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View West Virginia RankingsFrequently Asked Questions
Yes. EASTERN PANHANDLE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, EASTERN PANHANDLE has 2,745 members and a potential membership field of 210,000 people.
EASTERN PANHANDLE's net worth ratio is 11.70% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.7%, EASTERN PANHANDLE meets this threshold.
EASTERN PANHANDLE operates 3 branch locations and has access to 1 ATMs. The main office is located at 36 GM Access Rd, Martinsburg, WV 25403.
EASTERN PANHANDLE was established in 1970. It is a federal credit union chartered under charter number 19890. The institution has been serving members for 56 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EASTERN PANHANDLE. All financial data is for informational purposes only.