Dec, 31, 2021 — EASTERN PANHANDLE FEDERAL CREDIT UNION is a federal credit union headquartered in MARTINSBURG, WV with 1 branch location and about $19.60 million in total assets. Opened 52 years ago in 1970, EASTERN PANHANDLE FEDERAL CREDIT UNION has about 2,736 members and employs 6 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: | 2,736 |
| 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: | May 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $19,604,149 |
| CEO/Manager: | Tina L Sheppard |
| Chairperson: | RANDY BARNHART |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,665,252 |
| TOTAL INVESTMENTS | 6,218,830 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 854,312 |
| Unsecured Loans | 1,776,338 |
| Other Loans | 8,668,434 |
| TOTAL LOANS | 11,299,084 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -87,160 |
| Land And Building | 252,577 |
| Other Fixed Assets | 42,010 |
| NCUSIF Deposit | 169,129 |
| All Other Assets | 44,427 |
| TOTAL ASSETS | 19,604,149 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 60,990 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 78,476 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,613,485 |
| Regular shares | 13,320,273 |
| All Other Shares & Deposits | 140,184 |
| TOTAL SHARES & DEPOSITS | 18,073,942 |
| TOTAL LIABILITIES | 18,213,408 |
| Regular Reserve | 524,206 |
| Other Reserves | 0 |
| Undivided Earnings | 866,535 |
| TOTAL EQUITY | 1,390,741 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 19,604,149 |
| INCOME & EXPENSE | |
| Loan Income | 494,685 |
| Investment Income | 40,223 |
| Other Income | 108,097 |
| Total Employee Compensation & Benefits | 195,335 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 481,256 |
| Non-operating Income & (Expense) | 1,150 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 2,178 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 136,599 |
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