MARTINSBURG V.A. CENTER
Charter #22337 · KEARNEYSVILLE, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,756 sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 1.93% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.36% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.03% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MARTINSBURG V.A. CENTER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.07M | 28th pct | 13th pct |
| Members | 1,756 | 36th pct | 20th pct |
| Net worth ratio | 14.33% | 54th pct | 59th pct |
| Return on average assets | 1.93% | 94th pct | 98th pct |
| Net interest margin | 4.36% | 73th pct | 87th pct |
| Cost of funds | 0.03% | 3th pct | 3th pct |
| Loan-to-share | 27.81% | 8th pct | 13th pct |
| Delinquency 60+ days | 0.16% | 28th pct | 36th pct |
| Net charge-off ratio | 0.00% | 23th pct | 21th pct |
| Loan growth YoY | -6.37% | 21th pct | 31th pct |
| Share growth YoY | 0.48% | 30th pct | 31th pct |
| Efficiency ratio | 58.47% | 9th pct | 8th pct |
structural peer set hash: 22371bc72b254a12d31ef4db3342db23… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.