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 (1.3) profitability. A current level of 23.3 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.5).
Other 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 (4.6 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 21.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (62%), other (38%)
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
500 Quincy Street
Fairmont, WV 26554
Fairmont, WV 26554
Phone Number
(304) 366-9280x449
NCUA Charter Number
Largest Competitors
New Martinsville, WV
Fairmont, WV
Fairmont, WV
Fairmont, WV