Federal credit union · Martinsburg, West Virginia · NCUA charter #13028
167th Tfr
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $70.1M
- Total assets
- 7,859
- Members
- 10.4%
- Net-worth ratio
167th Tfr scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.1M; members 7,859; net-worth ratio 10.44%; health rank #3,002 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,002 of 4,374 health · 2025Q4167th Tfr · health 78/100 · $70.1M · 2025Q4
Call Report peers
167th Tfr in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
167th Tfr vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 167th Tfr sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for 167th Tfr
- Largest favorable gap: Delinquency Rate at 0.33% vs peer 0.96% (-0.63 pp).
- Loan-to-Share Ratio trails the peer set - 17.17% here, 62.60% peer average (-45.43 pp).
167th Tfr in West Virginia
- In West Virginia, health place is #49 of 74 on the same NCUA-ratio sort used nationally.
- West Virginia assets place: #18 of 74.
- Member book place in West Virginia: #12 of 74.
- One place up in West Virginia, ELEMENT (#48) ties at 78/100; one place down, PACE (#50) scores 77/100, 1 point lower.
Quarter path for 167th Tfr
167th Tfr: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $70.1M (2025Q4) to $72.2M (2026Q1).
- Net-worth ratio shifted +0.05 pp (10.39% → 10.44%).
At 10.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
167th Tfr gives up 22 points in total. Member Growth costs the most, 14.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.5 pts
- Loan-to-Share Ratio 7.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.44% | -3.18 pp |
| Delinquency Rate | 0.33% | -0.63 pp |
| Return on Assets | 1.15% | +0.49 pp |
| Member Growth | -4.70% | - |
| Loan-to-Share Ratio | 17.17% | -45.43 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
167th Tfr filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $72.2M | - |
| 2025Q4 | $70.1M | 7,859 |
| 2024Q4 | $67.3M | 8,247 |
| 2023Q4 | $69.5M | 8,200 |
Credit Union Details
- Charter Number
- 13028
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- West Virginia
- City
- Martinsburg
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, 167th Tfr runs 2 offices.
| Office | City |
|---|---|
| North Berkeley Main Office (Main Office) | Martinsburg, WV |
| South Berkeley Branch | Martinsburg, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
167th Tfr nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- 167th Tfr ranks #3,002 of 4,374 nationally on financial health and #49 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Priority is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Priority
Frequently Asked Questions
Is 167th Tfr financially healthy?
On its 2025Q4 NCUA 5300 filing, 167th Tfr scores 78/100 (Very Good), with a 10.44% net worth ratio and 0.33% of loans delinquent. It ranks #3,002 of 4,374 nationally on health and #49 of 74 in West Virginia.
How does 167th Tfr compare to other credit unions?
167th Tfr scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.33% vs 0.96%). Its widest shortfall is loan-to-share ratio (17.17% vs 62.60%).
How can I join 167th Tfr?
167th Tfr operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 167th Tfr directly for the exact boundaries and application steps.
Is my money safe at 167th Tfr?
167th Tfr is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 167th Tfr's net worth ratio of 10.44% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.