Side-by-side · Q2 2026 data
Virginia National 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 | Virginia National Bank | Martinsburg V.A. Center Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 92 (stronger) |
| Capital cushion | 82 | 89 (stronger) |
| Loan quality | 84 | 89 (stronger) |
| Earnings | 94 (stronger) | 89 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 94th | 92nd |
| Total assets | $1.6B | $17.1M |
| Deposits / shares | $1.4B | $14.7M |
| Capital ratio | 13.21% | 13.88% (stronger) |
| Problem loans | 0.47% | 0.32% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.86% (stronger) | 1.73% |
| Loans ÷ deposits | 86.9% | 27.1% (stronger) |
| Uninsured deposits | 23.7% | 8.3% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.2% | — |
Martinsburg V.A. Center Federal Credit Union has the higher TellerScore (92 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Virginia National 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.