Side-by-side · Q2 2026 data
Bull Dog Federal Credit Union vs Martinsburg V.A. Center Federal Credit Union
Credit union
Martinsburg V.A. Center Federal Credit Union
Kearneysville, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Bull Dog Federal Credit Union | Martinsburg V.A. Center Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 92 (stronger) |
| Capital cushion | 74 | 89 (stronger) |
| Loan quality | 56 | 89 (stronger) |
| Earnings | 63 | 89 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 60th | 92nd |
| Total assets | $237.7M | $17.1M |
| Deposits / shares | $214.7M | $14.7M |
| Capital ratio | 12.37% | 13.88% (stronger) |
| Problem loans | 1.31% | 0.32% (stronger) |
| Net charge-offs | 0.98% | 0.00% (stronger) |
| Return on assets | 1.07% | 1.73% (stronger) |
| Loans ÷ deposits | 40.1% | 27.1% (stronger) |
| Uninsured deposits | 2.5% (stronger) | 8.3% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Martinsburg V.A. Center Federal Credit Union has the higher TellerScore (92 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bull Dog Federal Credit Union leads on 1 and Martinsburg V.A. Center Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.