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 (1.2) profitability. A current level of 30.6 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Weak asset quality (2.1).
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 64.3 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (73%), other (27%)
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
3140 East Cumberland Road
Bluefield, WV 24701
Bluefield, WV 24701
Phone Number
(276) 322-5454
NCUA Charter Number
Largest Competitors
New Martinsville, WV
Fairmont, WV
Bluefield, WV
Bluefield, WV