Major Rating Factors:
A current level of 14.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 23.7 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (51%), other (49%)
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
P.O. Box A
Alderson, WV 24910
Alderson, WV 24910
Phone Number
(304) 445-3300x5030
NCUA Charter Number
Largest Competitors
New Martinsville, WV
Fairmont, WV
Parkersburg, WV
Charleston, WV