Federal credit union · Martinsburg, West Virginia · NCUA charter #19890
Eastern Panhandle
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $18.5M
- Total assets
- 2,745
- Members
- 11.7%
- Net-worth ratio
Eastern Panhandle scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.5M; members 2,745; net-worth ratio 11.70%; health rank #1,660 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,660 of 4,374 health · 2025Q4Eastern Panhandle · health 87/100 · $18.5M · 2025Q4
- CAMELS 87/100
- HEALTH 11.7%
- NW 0.40%
- DELQ 0.66%
- ROA $18.5M
- ASSETS 2,745
- MEM #1,660/4,374
- RANK Southern Star
- PHOTO 19890
Call Report peers
Eastern Panhandle in the assets neighbourhood
Eastern Panhandle's $18.5M assets sit next to Southern Star ($18.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Eastern Panhandle vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Eastern Panhandle - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #19890: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Eastern Panhandle
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +15.49 pp (75.29% vs 59.80%).
- Net Worth Ratio trails the peer set - 11.70% here, 14.86% peer average (-3.16 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Eastern Panhandle in West Virginia
- West Virginia health ordinal: #26 of 74.
- Assets rank #42 of 74 inside West Virginia ($18.5M reported).
- Member book place in West Virginia: #33 of 74.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Eastern Panhandle Call Report trajectory
Eastern Panhandle: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $18.5M (2025Q4) to $18.5M (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.70% → 11.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.70% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 14.5 pts
Eastern Panhandle vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.70% | -3.16 pp |
| Delinquency Rate | 0.40% | -0.74 pp |
| Return on Assets | 0.66% | -0.05 pp |
| Member Growth | -3.62% | - |
| Loan-to-Share Ratio | 75.29% | +15.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Eastern Panhandle
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.5M | - |
| 2025Q4 | $18.5M | 2,745 |
| 2024Q4 | $17.9M | 2,848 |
| 2023Q4 | $18.8M | 2,832 |
Credit Union Details
- Charter Number
- 19890
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Martinsburg
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Eastern Panhandle runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Martinsburg, WV |
| Vital Records | Fairfax, VA |
| Disaster Recovery CUs | Kearneysville, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Eastern Panhandle, both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Eastern Panhandle ranks #1,660 of 4,374 nationally on financial health and #26 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Raleigh County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Raleigh County
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Eastern Panhandle financially healthy?
A 11.70% net worth ratio and a 0.40% delinquency rate feed into Eastern Panhandle's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,660 of 4,374; by total assets it ranks #3,193 of 4,374 nationally (same basis as /rankings/largest); and #42 of 74 within West Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Eastern Panhandle compare to other credit unions?
On PlainCU's health composite, Eastern Panhandle lands at 87/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Eastern Panhandle?
Eastern Panhandle operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Eastern Panhandle directly for the exact boundaries and application steps.
Is my money safe at Eastern Panhandle?
Federal credit unions like Eastern Panhandle are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Eastern Panhandle's net worth ratio of 11.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Eastern Panhandle offer compared to banks?
Credit unions like Eastern Panhandle are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Eastern Panhandle directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.