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Overview / Commentary
1945 Edwin Miller Blvd
Martinsburg, WV 25404-6387

167Th TFR Credit Union is headquartered in Martinsburg and is the 16st largest credit union in the state of West Virginia. It is also the 2,340th largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 13 employees and 9,190 members. 167Th TFR Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Berkeley, Morgan or Jefferson county. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. 167Th TFR Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 167Th TFR Credit Union had $150,000 in non-current loans and owned real-estate with $4.32 million in equity and loan loss allowances on hand to cover it. This gives 167Th TFR Credit Union a Texas Ratio of 3.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for 167Th TFR Credit Union decreased dramatically from 12.60% as of March 31, 2013 to 3.47% as of March 31, 2014, resulting in a positive change of 72.43%.This indicates that the balance sheet and financial strength for 167Th TFR Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, 167Th TFR Credit Union has increased its total deposits by $1.8 million, resulting in 4.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 167Th TFR Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 167Th TFR Credit Union has $48.25 million in assets with $4.32 million in equity, resulting in a capitalization level of 8.95%, which is average.

Institution Statistics

NCUA #13028
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$48.25 million
Loans$12.55 million
Deposits$43.51 million
Equity Capital$4.26 million
Loan Loss Allowance$57,000
Unbacked Noncurrent Loans$81,000
Real Estate Owned$69,000
Historic Data - March 2013
Assets$46.76 million
Equity Capital$4.42 million
Loan Loss Allowance$50,000
Unbacked Noncurrent Loans$81,000
Real Estate Owned$172,000
Profit Margin - Quarterly
Return on Assets0.14%
Return on Equity1.6%
Interest Income$216,000
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167Th TFR Credit Union Savings Account Rates

0.25%--IRA Savings
0.25%--Roth IRA Savings
0.05%--Share Savings
0.05%--Christmas Clubs
0.05%--Vacation Clubs

167Th TFR Credit Union Checking Account Rates

0.01%--Share Draft

167Th TFR Credit Union CD Rates

0.70%$500-30 Month CD
0.60%$500-24 Month CD
0.50%$500-12 Month CD
0.25%$500-6 Month CD

167Th TFR Credit Union Locations
Branch Office1945 Edwin Miller BlvdMartinsburg, WV 25404-6387
Branch Office4400 Winchester AveMartinsburg, WV 25405-2602