First Priority Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 0.0. A current level of 3.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10). Good liquidity 6.0, driven by a liquidity ratio of 33.4 percent and a “hot money” ratio of 4.9 percent.
Asset Mix:
Consumer loans (33%), home mtgs (9%), other (58%)
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
3570 US Route 60, East
Barboursville, WV 25504
Barboursville, WV 25504
Phone Number
(304) 522-9450
NCUA Charter Number
Website
Largest Competitors
New Martinsville, WV
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