Local No. 317 IAFF Credit Union
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). Operating profits as a percentage of assets at 3.5%, coupled with a return on assets of 3.5 has resulted in Good (5.2) profitability.
Other Rating Factors:
Good liquidity 5.5, driven by a liquidity ratio of 45.3 percent and a “hot money” ratio of 0.0 percent. A current level of 3.8 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Consumer loans (50%), other (50%)
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
205A Tennessee Avenue
Charleston, WV 25302
Charleston, WV 25302
Phone Number
(304) 345-9790
NCUA Charter Number
Largest Competitors
Charleston, WV
Charleston, WV
Charleston, WV
Charleston, WV
Charleston, WV