The United 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 26.4 and a net worth ratio of 26.4. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (32%), consumer loans (13%), securities (8%), other (48%)
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
Three Sunset Beach Road
Morgantown, WV 26508
Morgantown, WV 26508
Phone Number
(304) 598-5010
NCUA Charter Number
Website
Largest Competitors
New Martinsville, WV
Fairmont, WV
Morgantown, WV
Morgantown, WV