BlastPoint's Credit Union Scorecard
MARTINSBURG V.A. CENTER
Charter #22337 · WV
MARTINSBURG V.A. CENTER demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.53% above tier average
- + Net Interest Margin 0.80% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,591
-0.6% YoY-0.5% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$16.8M
+3.5% YoY-0.3% QoQ
|
$-13.0M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$4.3M
-8.0% YoY+1.7% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$14.5M
+1.6% YoY-1.2% QoQ
|
$-10.9M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
45% |
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| ROA |
2.2%
+790.1% YoY+14.3% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 6.2% in tier |
| NIM |
4.7%
+81.5% YoY+10.8% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
55.3%
-39.7% YoY-4.0% QoQ
|
-26.1% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.6% in tier |
| Delinquency Rate |
0.2%
+44.8% YoY-6.2% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
24% |
| Loan To Share |
29.8%
-9.5% YoY+2.9% QoQ
|
-31.4% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.1% in tier |
| AMR |
$11,869
-0.2% YoY-0.0% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
39% |
| CD Concentration |
0.7%
-1.7% YoY+1.2% QoQ
|
-23.7% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)