A
Element Federal Credit Union
Rating Date
May 2024
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Element Federal Credit Union
Charleston, WV
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Rating A
Asset Quality Index 8.70
Capitalization Index 10.00
Liquidity Index 4.10
Profitability Index 7.30
Stability Index 7.00
Company Info Element Federal Credit Union
Charleston, WV
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NCUA Charter Number 3863
Phone Number (304) 721-4145
Website www.elementfcu.org/
Asset Quality Element Federal Credit Union
Charleston, WV
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1-Year Asset Growth 10.00%
5-Year Asset Growth 12.70%
5-Year Charge-Offs to Average Loans 0.71%
Charge-Offs to Average Loans 0.54%
Non-Performing Assets to Assets 0.51%
Non-Performing Loans to Capital 3.71%
Non-Performing Loans to Loans 0.71%
Balance Sheet Element Federal Credit Union
Charleston, WV
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Total Assets 60.64M
Total Deposits 52.32M
Capital and Reserves Element Federal Credit Union
Charleston, WV
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Capital 7.80M
Leverage Ratio 12.88
Loan Loss Reserves to Loans 1.54%
Liquidity Element Federal Credit Union
Charleston, WV
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Hot Money Ratio 10.73%
Liquidity Ratio 44.99%
Profitability Element Federal Credit Union
Charleston, WV
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5-Year Return on Average Assets 1.53%
Net Income 202.00K
Net Interest Spread 6.68%
Operating Profit to Average Assets 1.32%
Overhead Efficiency Ratio 77.82%
Return on Assets 1.34%
Return on Equity 10.49%
Weiss Ratings