Willow Island Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). A current level of 9.3 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Fair asset quality (4.8).
Other Rating Factors:
Weak liquidity 2.1, driven by a liquidity ratio of 9.4 percent and a “hot money” ratio of 20.7 percent. Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 7.6.
Asset Mix:
Consumer loans (68%), other (32%)
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
7910 South Pleasants Highway
Saint Marys, WV 26170
Saint Marys, WV 26170
Phone Number
(304) 665-1127
NCUA Charter Number
Website
Largest Competitors
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