Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.7 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 30.8 percent and a “hot money” ratio of 0.0 percent. A current level of 4.0 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Consumer loans (69%), other (31%)
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