Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 7.0.
Other Rating Factors:
Good liquidity 6.0, driven by a liquidity ratio of 19.2 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 3.2 has resulted in Good (7.0) profitability.
Asset Mix:
Consumer loans (9%), other (91%)
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
Hilltop Baptist Center, 258 Baptist Road
Hilltop, WV 25855
Hilltop, WV 25855
Phone Number
(304) 469-3333
NCUA Charter Number
Largest Competitors
New Martinsville, WV
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