Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.4 and a net worth ratio of 13.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (6.0). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Fair (5.0) profitability.
Asset Mix:
Consumer loans (58%), home mtgs (5%), 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
3574 Midland Trail
Alloy, WV 25002
Alloy, WV 25002
Phone Number
(304) 779-2773
NCUA Charter Number
Website
Largest Competitors
New Martinsville, WV
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