Appalachian Power Employees Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (1.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 6.8 percent and a “hot money” ratio of 0.0 percent. A current level of 0.7 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Consumer loans (67%), other (33%)
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
1122 Seventh Avenue
Huntington, WV 25701
Huntington, WV 25701
Phone Number
(304) 696-1399
NCUA Charter Number
Largest Competitors
Huntington, WV
Huntington, WV
Huntington, WV
Huntington, WV
Huntington, WV