Martinsburg, West Virginia · Peer group 3
Eastern Panhandle Credit Union
Eastern Panhandle Credit Union holds $18.5M in assets across 2,728 members as of Q1 2026 — about $7K of assets per member, on a charter dating to 1970. Charter number 19890, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $18.5M |
|---|---|
| Total loans | $11.7M |
| Total shares (deposits) | $16.2M |
| Net worth | $2.2M |
| Members | 2,728 |
| Assets per member | $7K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.9% | |
|---|---|---|
| Loans | -14.6% | lower than 92% of its peer group |
| Deposits | -0.1% | around the 40th percentile of its peer group |
| Members | -3.6% | around the 26th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 72.5% | around the 73rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.7% | around the 33rd percentile of its peer group |
| Return on assets | 0.04% | around the 20th percentile of its peer group |
| Delinquency ratio | 0.76% | around the 59th percentile of its peer group |
| Cash / assets | 6.5% | around the 20th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Eastern Panhandle Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within West Virginia — the comparison set a peer ratio is measured against.
- Martinsburg V.A. Center Credit Union
KEARNEYSVILLE, WV
$17.1M · 1,756 members
- Raleigh County Credit Union
BECKLEY, WV
$20.8M · 2,053 members
- Cape Credit Union
Clarksburg, WV
$15.7M · 1,165 members
- Harrison County Credit Union
Nutter Fort, WV
$15.7M · 1,216 members
- Raleigh Co. Educators Credit Union
BECKLEY, WV
$21.6M · 2,294 members
- Charleston Credit Union
CHARLESTON, WV
$15.3M · 1,259 members
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