Martinsburg V.A. Center Federal Credit Union

Credit UnionFCUKearneysville, WV·Est. 1976·NCUA #22337Compare ⇄▤ Account brief

Total assets

$17.1M

▲ +0.1% YoY

Shares & deposits

$14.6M

▼ -2.5% YoY

Loans

$4.1M

▼ -7.5% YoY

Members

1,756

▲ +9.8% YoY

ROA (annualized)

1.92%

peers 0.60%

ROE (annualized)

13.41%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+0.1%	+1.3%	-1.2 pts
Share growth (YoY)	-2.5%	+0.7%	-3.1 pts
Loan growth (YoY)	-7.5%	-2.4%	-5.1 pts
ROA	1.92%	0.60%	+1.3 pts
ROE	13.4%	4.1%	+9.3 pts

ROA ranks in the 93rd percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$17.1M	$14.6M	$4.1M	$2.4M	$82K	1.92%	4.33%	0.16%	1,756
Q4 2025	$16.8M	$14.5M	$4.3M	$2.4M	$370K	2.20%	4.80%	0.83%	1,599
Q3 2025	$16.8M	$14.5M	$4.3M	$2.3M	$280K	2.22%	4.74%	0.16%	1,591
Q2 2025	$16.9M	$14.7M	$4.3M	$2.2M	$164K	1.95%	4.29%	0.17%	1,599
Q1 2025	$17.1M	$15.0M	$4.4M	$2.1M	$84K	1.98%	4.19%	0.12%	1,599
Q4 2024	$16.6M	$14.6M	$4.6M	$2.0M	$100K	0.60%	2.98%	2.53%	1,608
Q3 2024	$16.3M	$14.3M	$4.7M	$1.9M	$31K	0.25%	2.63%	0.11%	1,601
Q2 2024	$16.5M	$14.5M	$4.7M	$2.0M	$76K	0.92%	3.22%	0.02%

Loans down·Loans -7.5% YoY — Shrinking book — origination and marketing are on the agenda

Earlier quarters (4)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	1.92%	0.60%	93th
Return on equity Annualized net income ÷ equity or net worth	13.4%	4.1%	94th
Net interest margin Interest income − interest expense, ÷ assets	4.33%	3.83%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%