Martinsburg V.A. Center
Kearneysville, WV · Charter 22337 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$17.1MAssets
$4.0MLoans
$14.7MShares
$2.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets (rank 114 of 1681).
- Widest gap: equity / assets trails 41% of credit unions under $1B in assets (rank 690 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.73%
Rank 153 of 1,683
Net Interest Margin
4.38%
Rank 388 of 1,683
Efficiency Ratio
63.52%
Rank 255 of 1,682
Equity / Assets
13.88%
Rank 690 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.35% | 0.74% | 1.18% | Beats 91% | 153 / 1,683 | |
| Return on Equity | 12.46% | 2.67% | 5.89% | 8.74% | Beats 93% | 114 / 1,681 | |
| Net Interest Margin | 4.38% | 3.31% | 3.82% | 4.32% | Beats 77% | 388 / 1,683 | |
| Efficiency Ratio | 63.52% | 68.91% | 78.20% | 86.93% | Beats 85% | 255 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.26% | 0.65% | 1.29% | Beats 71% | 494 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.88% | 10.44% | 12.89% | 16.53% | Beats 59% | 690 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.88% | 10.44% | 12.89% | 16.53% | Beats 59% | 690 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 27.13% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,618 / 1,683 | |
| Loans / Assets | 23.31% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,612 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |