Credit Union
MARTINSBURG V.A. CENTER
Health Score
67/100
Total Assets
$16.8M
Members
1,599
KEARNEYSVILLE, West Virginia
2026 data Public-data reference. official source

MARTINSBURG V.A. CENTER

Open-data reference.

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KEARNEYSVILLE, West Virginia · Charter #22337 · Federal Credit Union
67
Health Score
Good

Health Score

67/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

22337

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

MARTINSBURG V.A. CENTER — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

NCUSIF coverage gauge for MARTINSBURG V.A. CENTER Share insurance under NCUSIF covers up to $250,000 per share owner. MARTINSBURG V.A. CENTER holds approximately $14.5M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 14.0 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 14.0% · $14.5M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 — share insurance under Title II of the Federal Credit Union Act

MARTINSBURG V.A. CENTER — Five Health Pillars

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 14.04% 2. Loan Quality 0.83% delinq 3. ROA 0.00% 4. Member Growth -0.56% 5. Liquidity 29% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 93.6%

At 14.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$16.8M
Total Assets
1,599
Members
$4.3M
Total Loans
$14.5M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 14.04% 30%
Delinquency Rate 0.83% 25%
Return on Assets 0.00% 15%
Member Growth -0.56% 15%
Loan-to-Share Ratio 29.39% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About MARTINSBURG V.A. CENTER

MARTINSBURG V.A. CENTER is a federal credit union headquartered in KEARNEYSVILLE, West Virginia, serving 1,599 members with $16.8M in total assets and $4.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 67/100 (Good), anchored by a net worth ratio of 14.04% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #22337 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 0.83% measures loans 60+ days past due against total loans outstanding — the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 29.39% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital.

Every deposit account at MARTINSBURG V.A. CENTER is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -0.56%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Multiple Common Bond), and current deposit and loan rates should be verified directly with MARTINSBURG V.A. CENTER before opening any account or borrowing.

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Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is MARTINSBURG V.A. CENTER financially healthy?

MARTINSBURG V.A. CENTER has a financial health score of 67/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.04% and delinquency rate of 0.83%.

How does MARTINSBURG V.A. CENTER compare to other credit unions?

MARTINSBURG V.A. CENTER scores 67/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

How can I join MARTINSBURG V.A. CENTER?

Membership eligibility for MARTINSBURG V.A. CENTER depends on its field of membership — currently: Multiple Common Bond. Credit unions typically require a common bond such as employer, location, or association membership. Contact MARTINSBURG V.A. CENTER directly for current membership requirements and application steps.

Is my money safe at MARTINSBURG V.A. CENTER?

Federal credit unions like MARTINSBURG V.A. CENTER are 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 14.04% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does MARTINSBURG V.A. CENTER offer compared to banks?

Credit unions like MARTINSBURG V.A. CENTER are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MARTINSBURG V.A. CENTER directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology — how this data is sourced, computed, and verified.