Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.5 and a net worth ratio of 21.5. A current level of 0.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.5 has resulted in Excellent (9.0) profitability. Good liquidity 6.9, driven by a liquidity ratio of 51.0 percent and a “hot money” ratio of 3.0 percent.
Asset Mix:
Consumer loans (30%), other (70%)
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
1512 Mary Lou Retton Drive
Fairmont, WV 26554
Fairmont, WV 26554
Phone Number
(304) 366-2390
NCUA Charter Number
Largest Competitors
New Martinsville, WV
Fairmont, WV
Fairmont, WV
Fairmont, WV