Union Trades Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.4 and a net worth ratio of 18.4. A current level of 1.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). Good liquidity 7.0, driven by a liquidity ratio of 38.7 percent and a “hot money” ratio of 6.1 percent.
Asset Mix:
Consumer loans (21%), securities (2%), home mtgs (0%), other (77%)
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
1925 Murdoch Avenue
Parkersburg, WV 26101
Parkersburg, WV 26101
Phone Number
(304) 485-1421
NCUA Charter Number
Website
Largest Competitors
Parkersburg, WV
Parkersburg, WV
Parkersburg, WV
Parkersburg, WV
Parkersburg, WV