Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). A current level of 18.7 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 24.6 and a net worth ratio of 24.6. Operating profits as a percentage of assets at 3.7%, coupled with a return on assets of 3.7 has resulted in Excellent (9.8) profitability.
Asset Mix:
Consumer loans (45%), other (55%)
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