Major Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 9.8. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (6.3) profitability.
Asset Mix:
Consumer loans (30%), home mtgs (30%), comm loans (2%), securities (0%), other (38%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
Two The Credit Union Way
Fairmont, WV 26554
Fairmont, WV 26554
Phone Number
(304) 363-5320
NCUA Charter Number
Website
Largest Competitors
New Martinsville, WV
Fairmont, WV
Fairmont, WV
Fairmont, WV