Sep, 30, 2025 — EASTERN PANHANDLE FEDERAL CREDIT UNION is a federal credit union headquartered in MARTINSBURG, WV with 1 branch location and about $18.69 million in total assets. Opened 56 years ago in 1970, EASTERN PANHANDLE FEDERAL CREDIT UNION has about 2,852 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EASTERN PANHANDLE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 36 GM Access Rd MARTINSBURG, WV 25403 |
| Phone: | (304) 263-2887 |
| Fax: | (304) 263-4310 |
| Website: | https://www.easternpanhandlefcu.com |
| Branches: | 1 branch locations |
| Members: | 2,852 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 19890 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1970 |
| Last Audited: | Nov 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $18,688,261 |
| CEO/Manager: | Tina L Sheppard |
| Chairperson: | Richard J O Brien |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,968,468 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,683,647 |
| Unsecured Loans | 1,542,120 |
| Other Loans | 9,132,145 |
| TOTAL LOANS | 12,636,512 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -150,191 |
| Land And Building | 250,774 |
| Other Fixed Assets | 92,161 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 157,756 |
| All Other Assets | 0 |
| TOTAL ASSETS | 18,688,261 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 8,000 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 128,299 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,031,854 |
| Regular shares | 10,594,880 |
| All Other Shares & Deposits | 776,532 |
| TOTAL SHARES & DEPOSITS | 16,403,266 |
| TOTAL LIABILITIES | 16,539,565 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 2,148,696 |
| TOTAL EQUITY | 2,148,696 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 18,688,261 |
| INCOME & EXPENSE | |
| Loan Income | 599,356 |
| Investment Income | 121,811 |
| Other Income | 99,455 |
| Total Employee Compensation & Benefits | 214,643 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 456,264 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 14,617 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 250,160 |
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