Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 10.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.4 has resulted in Excellent (9.7) profitability. Excellent liquidity 7.5, driven by a liquidity ratio of 39.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (7%), other (93%)
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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