Side-by-side · Q2 2026 data
Potomac Bank 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 | Potomac Bank | Martinsburg V.A. Center Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 92 (stronger) |
| Capital cushion | 49 | 89 (stronger) |
| Loan quality | 97 (stronger) | 89 |
| Earnings | 76 | 89 (stronger) |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 53rd | 92nd |
| Total assets | $980.2M | $17.1M |
| Deposits / shares | $847.9M | $14.7M |
| Capital ratio | 9.85% | 13.88% (stronger) |
| Problem loans | 0.08% (stronger) | 0.32% |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.40% | 1.73% (stronger) |
| Loans ÷ deposits | 90.5% | 27.1% (stronger) |
| Uninsured deposits | 24.5% | 8.3% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | — |
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), Potomac Bank 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.
Where both have branches
- Kearneysville, WV
- Martinsburg, WV