Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 22.2 percent and a “hot money” ratio of 0.0 percent. A current level of 3.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (77%), other (23%)
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
901 Market Street
Wheeling, WV 26003
Wheeling, WV 26003
Phone Number
(304) 232-9840
NCUA Charter Number
Largest Competitors
New Martinsville, WV
Fairmont, WV
Wheeling, WV
Wheeling, WV