Institution Profile
Address: 788 N State Route 2 New Martinsvill, WV 26155
(304) 455-4029
Website:
NCUA Profile:
Charter Date:
6/15/1957
Charter Type:
Federal
Branches:
11
Branches by Region
WV 5 SC 3 PA 1 OH 1 TX 1
Financial Overview
Total Assets
$786.17M
Total Deposits
$707.90M
Total Loans
$609.24M
Members
44,213
Employees
159 150 Full-time / 9 Part-time
Allowance for Loan Losses
$8.42M
Performance Ratios
Net Worth Ratio
9.71%
Loan-to-Deposit Ratio
86.06%
Coverage Ratio
1.38% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +48.97% Total Deposits: +48.95% Total Loans: +41.33% since 2020 Q1
Member Growth
Member Growth
Members: +25.00% since 2020 Q1
Employee Growth
Employee Growth
Employees: -2.45% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
8,193
Amount This Year (YTD)
$178.74M
Number of Loans per Quarter
Loans Granted: -16.40% since 2020 Q1
Loan Amount per Quarter
Amount Granted: +3.35% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1st Mortgages
$204.23M 33.5%
Used Vehicle
$197.41M 32.4%
CRE: Non-Owner-Occupied
$41.66M 6.8%
Other Secured
$39.73M 6.5%
New Vehicle
$33.37M 5.5%
Other Unsecured
$20.79M 3.4%
CRE: Owner-Occupied
$19.52M 3.2%
HELOCs
$15.93M 2.6%
Credit Card
$14.22M 2.3%
CRE: Multifamily
$10.03M 1.6%
CRE: Construction
$6.85M 1.1%
Commercial & Industrial
$4.34M 0.7%
Commercial Unsecured
$1.17M 0.2%
Unaccounted
$1 0.0%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 44,213 | $786.17M | $707.90M | $609.24M | 159 |
| 2025 Q3 | 44,213 | $781.37M | $703.59M | $613.90M | 156 |
| 2025 Q2 | 44,213 | $773.38M | $700.64M | $608.46M | 158 |
| 2025 Q1 | 43,911 | $769.03M | $696.50M | $607.66M | 160 |
| 2024 Q4 | 43,911 | $769.21M | $697.67M | $611.02M | 157 |
| 2024 Q3 | 43,911 | $869.11M | $798.11M | $608.82M | 155 |
| 2024 Q2 | 43,608 | $871.97M | $802.60M | $601.26M | 156 |
| 2024 Q1 | 42,914 | $876.04M | $807.02M | $596.35M | 163 |
| 2023 Q4 | 42,879 | $857.12M | $790.73M | $596.86M | 155 |
| 2023 Q3 | 41,608 | $736.87M | $658.13M | $605.17M | 159 |
| 2023 Q2 | 40,971 | $726.62M | $663.65M | $588.55M | 159 |
| 2023 Q1 | 38,763 | $735.66M | $674.15M | $568.31M | 161 |
| 2022 Q4 | 39,159 | $699.50M | $637.97M | $561.09M | 156 |
| 2022 Q3 | 38,763 | $685.12M | $615.63M | $543.13M | 160 |
| 2022 Q2 | 38,349 | $675.65M | $618.00M | $516.19M | 161 |
| 2022 Q1 | 38,605 | $668.81M | $610.98M | $493.19M | 157 |
| 2021 Q4 | 37,732 | $655.16M | $594.74M | $488.19M | 158 |
| 2021 Q3 | 36,209 | $620.03M | $561.30M | $472.88M | 162 |
| 2021 Q2 | 35,936 | $608.30M | $551.03M | $456.45M | 159 |
| 2021 Q1 | 35,677 | $609.41M | $551.18M | $449.52M | 158 |
| 2020 Q4 | 35,399 | $576.63M | $520.34M | $450.42M | 160 |
| 2020 Q3 | 35,193 | $559.02M | $505.12M | $439.14M | 161 |
| 2020 Q2 | 35,299 | $555.72M | $502.80M | $437.67M | 160 |
| 2020 Q1 | 35,369 | $527.74M | $475.28M | $431.08M | 163 |
Interest Rates
Current average rates by loan type
New Vehicle
2.99%
Used Vehicle
5.74%
1st Mortgage (Fixed)
3.00%
HELOC
8.00%
Credit Card
9.25%
Other Unsecured
12.25%