Federal credit union · KEARNEYSVILLE, West Virginia · NCUA charter #22337
Martinsburg V.a. Center
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $16.8M
- Total assets
- 1,599
- Members
- 14.3%
- Net-worth ratio
Martinsburg V.a. Center scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.8M; members 1,599; net-worth ratio 14.33%; health rank #2,245 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,245 of 4,374 health · 2025Q4Martinsburg V.a. Center · health 83/100 · $16.8M · 2025Q4
Call Report peers
Martinsburg V.a. Center in the assets neighbourhood
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Martinsburg V.a. Center vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Martinsburg V.a. Center sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Martinsburg V.a. Center
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.31 pp (0.83% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 29.39% here, 59.80% peer average (-30.41 pp).
Martinsburg V.a. Center: in-state Call Report ranks
- West Virginia health ordinal: #35 of 74.
- Assets rank #43 of 74 inside West Virginia ($16.8M reported).
- West Virginia membership ordinal: #46 of 74.
- One place up in West Virginia, Wv National Guard (#34) ties at 83/100; one place down, City of Clarksburg (#36) ties at 83/100.
Martinsburg V.a. Center Call Report trajectory
Martinsburg V.a. Center: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $16.8M (2025Q4) to $17.1M (2026Q1).
- Net-worth ratio shifted +0.29 pp (14.04% → 14.33%).
This credit union's 14.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Martinsburg V.a. Center gives up 17 points in total. Member Growth costs the most, 7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.7 pts
- Return on Assets 15.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 8.3 pts
Martinsburg V.a. Center vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.33% | -0.53 pp |
| Delinquency Rate | 0.83% | -0.31 pp |
| Return on Assets | 0.59% | -0.11 pp |
| Member Growth | -0.56% | - |
| Loan-to-Share Ratio | 29.39% | -30.41 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Martinsburg V.a. Center
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.1M | - |
| 2025Q4 | $16.8M | 1,599 |
| 2024Q4 | $16.6M | 1,608 |
| 2023Q4 | $18.2M | 1,752 |
Credit Union Details
- Charter Number
- 22337
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- KEARNEYSVILLE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Martinsburg V.a. Center, spread across 2 cities.
| Office | City |
|---|---|
| Martinsburg VA Center FCU (Main Office) | Kearneysville, WV |
| Eastern Panhandle FCU | Martinsburg, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Other-state peers near Martinsburg V.a. Center
Similar total assets
Similar health score
Using this data
- Martinsburg V.a. Center ranks #2,245 of 4,374 nationally on financial health and #35 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAPE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAPE
Frequently Asked Questions
Is Martinsburg V.a. Center financially healthy?
On its 2025Q4 NCUA 5300 filing, Martinsburg V.a. Center scores 83/100 (Excellent), with a 14.33% net worth ratio and 0.83% of loans delinquent. It ranks #2,245 of 4,374 nationally on health and #35 of 74 in West Virginia.
How does Martinsburg V.a. Center compare to other credit unions?
Martinsburg V.a. Center scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.83% vs 1.15%). Its widest shortfall is loan-to-share ratio (29.39% vs 59.80%).
How can I join Martinsburg V.a. Center?
Martinsburg V.a. Center serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Martinsburg V.a. Center directly for the current list of qualifying groups.
Is my money safe at Martinsburg V.a. Center?
Martinsburg V.a. Center 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. Martinsburg V.a. Center's net worth ratio of 14.33% 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.