Mar, 31, 2021 — EASTERN PANHANDLE FEDERAL CREDIT UNION is a federal credit union headquartered in MARTINSBURG, WV with 1 branch location and about $20.22 million in total assets. Opened 51 years ago in 1970, EASTERN PANHANDLE FEDERAL CREDIT UNION has about 2,736 members and employs 5 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: | Jan 01, 2020 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $20,216,093 |
| CEO/Manager: | Tina L Sheppard |
| Chairperson: | RANDY BARNHART |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,090,769 |
| TOTAL INVESTMENTS | 6,930,830 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 655,795 |
| Unsecured Loans | 1,714,501 |
| Other Loans | 8,410,819 |
| TOTAL LOANS | 10,781,115 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -103,174 |
| Land And Building | 260,645 |
| Other Fixed Assets | 51,803 |
| NCUSIF Deposit | 145,317 |
| All Other Assets | 58,788 |
| TOTAL ASSETS | 20,216,093 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 977 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 95,686 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,286,796 |
| Regular shares | 13,335,847 |
| All Other Shares & Deposits | 155,746 |
| TOTAL SHARES & DEPOSITS | 18,778,389 |
| TOTAL LIABILITIES | 18,875,052 |
| Regular Reserve | 524,206 |
| Other Reserves | 0 |
| Undivided Earnings | 816,835 |
| TOTAL EQUITY | 1,341,041 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 20,216,093 |
| INCOME & EXPENSE | |
| Loan Income | 118,143 |
| Investment Income | 6,344 |
| Other Income | 22,355 |
| Total Employee Compensation & Benefits | 36,964 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 118,619 |
| Non-operating Income & (Expense) | 575 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 797 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 33,464 |
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