Side-by-side · Q2 2026 data
Romney Federal Credit Union vs Martinsburg V.A. Center Federal Credit Union
Credit union
Romney Federal Credit Union
Romney, West Virginia · Under $100 million in assets
Credit union
Martinsburg V.A. Center Federal Credit Union
Kearneysville, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Romney Federal Credit Union | Martinsburg V.A. Center Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 92 (stronger) |
| Capital cushion | 42 | 89 (stronger) |
| Loan quality | 32 | 89 (stronger) |
| Earnings | 52 | 89 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 61 | 99 (stronger) |
| Peer percentile | 8th | 92nd |
| Total assets | $14.8M | $17.1M |
| Deposits / shares | $13.5M | $14.7M |
| Capital ratio | 9.23% | 13.88% (stronger) |
| Problem loans | 2.05% | 0.32% (stronger) |
| Net charge-offs | 1.74% | 0.00% (stronger) |
| Return on assets | 0.79% | 1.73% (stronger) |
| Loans ÷ deposits | 82.6% | 27.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 8.3% |
| Offices | 1 | 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 49). On the 7 directional measures above (where higher or lower is clearly better), Romney Federal Credit Union leads on 1 and Martinsburg V.A. Center Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.