D
Joy Employees Federal Credit Union
Rating Date
May 2024
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Joy Employees Federal Credit Union
Bluefield, WV
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Rating D
Asset Quality Index 2.10
Capitalization Index 10.00
Liquidity Index 4.50
Profitability Index 1.20
Stability Index 5.70
Company Info Joy Employees Federal Credit Union
Bluefield, WV
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NCUA Charter Number 3368
Phone Number (276) 322-5454
Website --
Asset Quality Joy Employees Federal Credit Union
Bluefield, WV
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1-Year Asset Growth -30.47%
5-Year Asset Growth -12.71%
5-Year Charge-Offs to Average Loans 1.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 16.62%
Non-Performing Loans to Capital 30.62%
Non-Performing Loans to Loans 22.83%
Balance Sheet Joy Employees Federal Credit Union
Bluefield, WV
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Total Assets 680.00K
Total Deposits 409.00K
Capital and Reserves Joy Employees Federal Credit Union
Bluefield, WV
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Capital 270.00K
Leverage Ratio 39.71
Loan Loss Reserves to Loans 20.00%
Liquidity Joy Employees Federal Credit Union
Bluefield, WV
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Hot Money Ratio 0.00%
Liquidity Ratio 64.30%
Profitability Joy Employees Federal Credit Union
Bluefield, WV
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5-Year Return on Average Assets 0.65%
Net Income 0.00
Net Interest Spread 6.18%
Operating Profit to Average Assets 0.00%
Overhead Efficiency Ratio 100.00%
Return on Assets 0.00%
Return on Equity 0.00%