Element 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 12.3 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Excellent (9.0) profitability.
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 (7.5 on a scale of 0 to 10). A current level of 8.0 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (42%), securities (28%), other (30%)
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
3418 MacCorkle Avenue, SE
Charleston, WV 25304
Charleston, WV 25304
Phone Number
(304) 721-4145
NCUA Charter Number
Website
Largest Competitors
Charleston, WV
Charleston, WV
Charleston, WV
Charleston, WV
Charleston, WV