City of Clarksburg Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 45.0 percent and a “hot money” ratio of 0.0 percent. A current level of 1.9 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (9.2).
Asset Mix:
Consumer loans (42%), other (58%)
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
101 South Fourth Street
Clarksburg, WV 26301
Clarksburg, WV 26301
Phone Number
(304) 624-1678
NCUA Charter Number
Largest Competitors
New Martinsville, WV
Fairmont, WV
Clarksburg, WV
Clarksburg, WV