EASTERN PANHANDLE
Charter #19890 · Martinsburg, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.04% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 4.89% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.16% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.17% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 56th — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EASTERN PANHANDLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.50M | 33th pct | 39th pct |
| Members | 2,728 | 68th pct | 66th pct |
| Net worth ratio | 11.70% | 33th pct | 39th pct |
| Return on average assets | 0.04% | 20th pct | 18th pct |
| Net interest margin | 4.89% | 89th pct | 87th pct |
| Cost of funds | 0.16% | 11th pct | 10th pct |
| Loan-to-share | 72.48% | 73th pct | 56th pct |
| Delinquency 60+ days | 0.76% | 59th pct | 52th pct |
| Net charge-off ratio | 1.17% | 88th pct | 89th pct |
| Loan growth YoY | -7.24% | 16th pct | 10th pct |
| Share growth YoY | -1.41% | 16th pct | 16th pct |
| Efficiency ratio | 79.88% | 48th pct | 51th pct |
structural peer set hash: 97e9ef24baa6467b639ed4e8188f70f4… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.