BlastPoint's Credit Union Scorecard
MARTINSBURG V.A. CENTER
Charter #22337 · WV
MARTINSBURG V.A. CENTER has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.77% above tier average
- + Net Interest Margin 0.32% above tier average
- + Strong member growth: 9.8% YoY
- + Member Growth Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 4.9% in tier
- - Loan-to-Share Ratio: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,756
+9.8% YoY+9.8% QoQ
|
-920 |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$17.1M
+0.1% YoY+1.4% QoQ
|
$-13.1M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$4.1M
-7.5% YoY-4.4% QoQ
|
$-11.2M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$14.6M
-2.5% YoY+1.0% QoQ
|
$-11.2M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
1.9%
-4.4% YoY-12.7% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Top 7.5% in tier |
| NIM |
4.3%
+1.9% YoY-10.0% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
58.5%
+3.1% YoY+3.3% QoQ
|
-32.2% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 10.4% in tier |
| Delinquency Rate |
0.2%
+42.7% YoY-80.3% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
27.8%
-5.2% YoY-5.4% QoQ
|
-30.7% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.6% in tier |
| AMR |
$10,636
-12.2% YoY-9.2% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
0.6%
-13.6% YoY-16.7% QoQ
|
-23.7% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | 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)