Pioneer Appalachia Federal Credit Union
Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Fair liquidity 4.5, driven by a liquidity ratio of 26.7 percent and a “hot money” ratio of 11.9 percent.
Asset Mix:
Home mtgs (26%), consumer loans (24%), comm loans (0%), other (50%)
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
1316 Kanawha Boulevard East
Charleston, WV 25301
Charleston, WV 25301
Phone Number
(304) 348-6648
NCUA Charter Number
Website
Largest Competitors
Charleston, WV
Charleston, WV
Charleston, WV
Charleston, WV
Charleston, WV