Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.4 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.0 has resulted in Good (6.8) profitability. A current level of 6.7 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Good asset quality (5.8).
Asset Mix:
Consumer loans (55%), home mtgs (5%), other (40%)
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
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