Eastern Panhandle Martinsburg, WV · Charter 19890 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 1 branch
Q2 2026
$18.8M Assets
$11.5M Loans
$16.4M Shares
$2.3M Net Worth
Executive Summary Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 6 of 61). Widest gap: equity / assets trails 54% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 33 of 61). Overall: at or above the peer median on 5 of 7 directional measures. Return on Assets
1.34%
Rank 11 of 61
Net Interest Margin
4.89%
Rank 6 of 61
Efficiency Ratio
68.91%
Rank 13 of 60
Equity / Assets
12.18%
Rank 33 of 61
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 1.34% -0.02% 0.37% 0.88% Beats 82% 11 / 61 Return on Equity 11.01% -0.25% 2.65% 5.53% Beats 89% 7 / 61 Net Interest Margin 4.89% 3.07% 3.57% 4.09% Beats 90% 6 / 61 Efficiency Ratio 68.91% 71.78% 87.58% 95.00% Beats 80% 13 / 60 Asset Quality Nonperforming Loans / Loans 0.16% 0.44% 1.06% 1.85% Beats 80% 13 / 60 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 12.18% 9.78% 12.37% 17.30% Beats 46% 33 / 61 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 12.18% 9.78% 12.37% 17.30% Beats 46% 33 / 61 Liquidity & Funding Loans / Deposits 70.19% 37.27% 62.33% 76.91% 67th pctl 20 / 61 Loans / Assets 61.29% 30.13% 54.75% 64.37% 62nd pctl 23 / 61 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (60 to 61 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11