Union Trades Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.1 and a net worth ratio of 15.1. A current level of 3.0 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (9.3).
Other Rating Factors:
Good liquidity 6.8, driven by a liquidity ratio of 44.6 percent and a “hot money” ratio of 4.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (28%), securities (2%), home mtgs (1%), other (70%)
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
1925 Murdoch Avenue
Parkersburg, WV 26101
Parkersburg, WV 26101
Phone Number
(304) 485-1421
NCUA Charter Number
Website
Largest Competitors
Parkersburg, WV
Parkersburg, WV
Parkersburg, WV
Parkersburg, WV
Parkersburg, WV
