Compared with West Virginia
5 of 16
compared fees are above the median.
7 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
66th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the West Virginia median
of 16 compared; 7 below, 4 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Eastern Panhandle Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the West Virginia median | Published fees above the West Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Eastern Panhandle Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.6% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (66th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $29K in Q2 2026, 6.5% below the same quarter a year earlier ($31K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 16 compared published fees sit above the West Virginia median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with West Virginia medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 19% from Q3 2025 to Q2 2026, to $29K. Its share of revenue, 9.6%, is above the 7.2% median for credit unions with under $300M in assets.
$29K
Eastern Panhandle Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Eastern Panhandle Federal Credit Union · $19M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Eastern Panhandle Federal Credit Union(this institution) | Martinsburg, WV | $19M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bitterroot Community Federal Credit Union | Darby, MT | $19M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Combined Employees Federal Credit Union | Warner Robins, GA | $18M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Healthcare Federal Credit Union | Manchester, CT | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coteau Valley Federal Credit Union | Sisseton, SD | $19M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Electric Cooperatives Federal Credit Union | Little Rock, AR | $19M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Energy People Federal Credit Union | Medford, NJ | $18M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fasny Federal Credit Union | Albany, NY | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Lincoln Federal Credit Union | Lincoln, NE | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frankfort Community Federal Credit Union | Frankfort, MI | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Genuine Parts Federal Credit Union | Norcross, GA | $19M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Germania Federal Credit Union | Brenham, TX | $19M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lakota Federal Credit Union | Kyle, SD | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Linkage Federal Credit Union | Waco, TX | $18M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Local 41 I.B.E.W. Federal Credit Union | Orchard Park, NY | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Med Park Federal Credit Union | Grand Forks, ND | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mid-Island Federal Credit Union | Christiansted, VI | $18M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Newrizons Federal Credit Union | Hoquiam, WA | $19M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northern Illinois Federal Credit Union | Dekalb, IL | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Santo Christo Federal Credit Union | Fall River, MA | $19M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| South Coast Ilwu Federal Credit Union | North Bend, OR | $18M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Stanwood Area Federal Credit Union | New Stanton, PA | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Summit Ridge Federal Credit Union | Lees Summit, MO | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Family First Federal Credit Union | Great Falls, MT | $19M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Txdot Federal Credit Union | Abilene, TX | $18M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Victoria Teachers Federal Credit Union | Victoria, TX | $18M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(out-of-network atm)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 10 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Eastern Panhandle Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Eastern Panhandle Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $29K | +$1K | +3.6% |
| Q1 2026 | $28K | −$15K | −34.9% |
| Q4 2025 | $43K | +$7K | +19.4% |
| Q3 2025 | $36K | +$5K | +16.1% |
| Q2 2025 | $31K | −$1K | −3.1% |
| Q1 2025 | $32K | −$2K | −5.9% |
| Q4 2024 | $34K | +$3K | +9.7% |
| Q3 2024 | $31K | +$4K | +14.8% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Eastern Panhandle Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Eastern Panhandle Federal Credit Union by share.
Amounts from Eastern Panhandle Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Account Reconciliation | $10Inside the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Account Research | $10Inside the U.S. middle 50% ($6 to $25 nationally) | per item | None |
Overdraft & NSF | |||
| ACH Overdraft | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Debit Card Overdraft - if opted in | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Protection - if opted in | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Items | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer - Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Items Sent for Collection | $29Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of Check | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Return | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Dormant Bill Pay Account | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposited Item Return | $29Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box 10" x 10" | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" x 10" | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" X 5" | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Statement Fees 5" x 5" Box | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Fax: Incoming | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax: Outgoing - Local | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy | $0.10Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Eastern Panhandle Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 2 states (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Fairfax, VA | 1 |
| Kearneysville, WV | 1 |
| Martinsburg, WV | 1 |
Largest competitors nearby
Local market: Berkeley county, WV, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| United Bank | 30.1% |
| Truist Bank | 17.9% |
| City National Bank of West Virginia | 12.4% |
| Burke & Herbert Bank & Trust Company | 9% |
| Jefferson Security Bank | 9% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.