Mountain Heritage Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.5 and a net worth ratio of 14.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.1). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 0.2 has resulted in Good (5.0) profitability.
Asset Mix:
Consumer loans (54%), home mtgs (4%), other (42%)
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
1822 Seventh Street
Parkersburg, WV 26101
Parkersburg, WV 26101
Phone Number
(304) 424-7256
NCUA Charter Number
Website
Largest Competitors
Parkersburg, WV
Parkersburg, WV
Parkersburg, WV
Parkersburg, WV
Parkersburg, WV