Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (2.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.6 and a net worth ratio of 0.0. A current level of 4.1 percent of nonperforming loans to core capital combined with 9.2 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (48%), securities (22%), other (30%)
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
110 Wilkinson Drive
Wheeling, WV 26003
Wheeling, WV 26003
Phone Number
(304) 277-3136
NCUA Charter Number
Largest Competitors
New Martinsville, WV
Fairmont, WV
Wheeling, WV
Wheeling, WV