Major Rating Factors:
A current level of 17.0 percent of nonperforming loans to core capital combined with 17.0 percent from a year earlier contributes to the Fair asset quality (3.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Good (6.9) profitability. Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (66%), other (34%)
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
258 Blue Prince Road
Bluefield, WV 24701
Bluefield, WV 24701
Phone Number
(304) 323-3732
NCUA Charter Number
Website
Largest Competitors
New Martinsville, WV
Fairmont, WV
Bluefield, WV
Bluefield, WV