TellerScore

Martinsburg V.A. Center Federal Credit Union (NCUA charter #22337) is based in Kearneysville, West Virginia. Its Q2 2026 call report shows $17.1M in total assets and $14.7M in member shares and deposits and 2 offices.

Martinsburg V.A. Center Federal Credit Union has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 8th. Funding & liquidity contributes the most (100/100, 27% loans-to-deposits, 8% uninsured); earnings contributes the least (89/100, 1.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.88%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity100/100
Loans ÷ shares: 27.1% · 8.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.53%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (91 → 92).

TellerScore
587796Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202476
Q4 202458
Q1 202590
Q2 202591
Q3 202594
Q4 202590
Q1 202696
Q2 202692
Net worth ratio
7.00%10.67%14.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.03%
Q3 202411.93%
Q4 202412.07%
Q1 202512.23%
Q2 202512.83%
Q3 202513.56%
Q4 202514.04%
Q1 202614.33%
Q2 202613.88%
Delinquent loans (60+ days)
0.02%1.27%2.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.11%
Q4 20242.53%
Q1 20250.12%
Q2 20250.17%
Q3 20250.16%
Q4 20250.83%
Q1 20260.16%
Q2 20260.32%
Return on assets
0.25%1.23%2.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.25%
Q4 20240.60%
Q1 20251.98%
Q2 20251.95%
Q3 20252.22%
Q4 20252.20%
Q1 20261.92%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$17.1M13.88%0.32%1.73%27.1%
Q1 202696$17.1M14.33%0.16%1.92%27.8%
Q4 202590$16.8M14.04%0.83%2.20%29.4%
Q3 202594$16.8M13.56%0.16%2.22%29.8%
Q2 202591$16.9M12.83%0.17%1.95%29.0%
Q1 202590$17.1M12.23%0.12%1.98%29.3%
Q4 202458$16.6M12.07%2.53%0.60%31.5%
Q3 202476$16.3M11.93%0.11%0.25%33.0%
Q2 202482$16.5M12.03%0.02%0.92%32.7%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.88%
46th
Problem loans0.32%
67th
Net charge-offs0.00%
77th
Return on assets1.73%
90th
Loans to deposits27.1%
91st
Uninsured deposits8.3%
10th
Loan-loss reserves0.00%
37th
Texas ratio0.5%
74th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Harrison County Federal Credit UnionCredit union Nutter Fort, WV91 out of 100, Very strong$15.6M18.4%0.14%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs
Cape Federal Credit UnionCredit union Clarksburg, WV38 out of 100, Low$15.5M6.0%1.58%vs
Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV83 out of 100, Strong$18.8M12.2%0.16%vs
National Employees Federal Credit UnionCredit union Bluefield, WV68 out of 100, Moderate$15.0M13.1%1.02%vs
Romney Federal Credit UnionCredit union Romney, WV49 out of 100, Below average$14.8M9.2%2.05%vs

Deposit insurance

Is my money safe at Martinsburg V.A. Center Federal Credit Union?

Yes. Martinsburg V.A. Center Federal Credit Union is a federally insured credit union (NCUA charter #22337). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.3% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Martinsburg V.A. Center Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Martinsburg V.A. Center Federal Credit Union
Type
Federal credit union
NCUA charter #
22337
RSSD ID
619381
Primary regulator
NCUA
Established
1976
Headquarters
2971 Charles Town Rd, Kearneysville, WV 25430
Employees
5

Quick answers

Martinsburg V.A. Center Federal Credit Union: common questions

Is Martinsburg V.A. Center Federal Credit Union NCUA insured?

Yes. Martinsburg V.A. Center Federal Credit Union is a federally insured credit union (NCUA charter #22337). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Martinsburg V.A. Center Federal Credit Union's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Martinsburg V.A. Center Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kearneysville

InstitutionScoreAssetsCapitalProblem loansCompare
Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD92 out of 100, Very strong$96.5M15.3%0.15%vs
Midway Federal Credit UnionCredit union Berryville, VA85 out of 100, Very strong$9.7M23.6%0.00%vs
Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV83 out of 100, Strong$18.8M12.2%0.16%vs
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City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
167th Tfr Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$72.5M10.7%0.44%vs