Major Rating Factors:
A current level of 18.2 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.3). 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:
Fair liquidity 3.9, driven by a liquidity ratio of 21.4 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.8 has resulted in Good (5.2) profitability.
Asset Mix:
Consumer loans (74%), other (26%)
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
62 West Main Street
Romney, WV 26757
Romney, WV 26757
Phone Number
(304) 822-3116
NCUA Charter Number
Website
Largest Competitors
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