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 (3.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Weak (1.5) profitability.
Other Rating Factors:
A current level of 8.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4). Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 8.8.
Asset Mix:
Consumer loans (26%), home mtgs (4%), other (69%)
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