Ravenswood Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 10.3 percent of nonperforming loans to core capital contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.4. Good liquidity 5.9, driven by a liquidity ratio of 9.0 percent and a “hot money” ratio of 6.0 percent.
Asset Mix:
Consumer loans (31%), home mtgs (5%), other (64%)
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
702 Washington Street
Ravenswood, WV 26164
Ravenswood, WV 26164
Phone Number
(304) 273-0515
NCUA Charter Number
Website
Largest Competitors
New Martinsville, WV
Fairmont, WV
Parkersburg, WV
Charleston, WV