Federal credit union · KEARNEYSVILLE, West Virginia · NCUA charter #22337
Martinsburg V.a. Center
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $16.8M
- Total assets
- 1,599
- Members
- 14.0%
- Net-worth ratio
Martinsburg V.a. Center - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22337 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Martinsburg V.a. Center - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)87
- Earnings (ROA)100
- Member growth53
- Liquidity (loan-to-share)58
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.04% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.04% | 30% |
| Delinquency Rate | 0.83% | 25% |
| Return on Assets | 0.59% | 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
The five-factor composite scores Martinsburg V.a. Center at 83/100 (Excellent), reflecting a net worth ratio of 14.04% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in KEARNEYSVILLE, West Virginia, reports 1,599 members, $16.8M in total assets, and $4.3M in outstanding loans as of Q4 2025 under charter #22337 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 0.83% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 29.39% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.59% on net income of $100K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.56%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Sources & disclaimer
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 83/100 (Excellent) 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 83/100 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?
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?
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.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.