Institution Profile
Address: 419 1st Ave S Nitro, WV 25143-2313
(304) 722-2274
Website:
NCUA Profile:
Charter Date:
9/17/1965
Charter Type:
Federal
Branches:
5
Branches by Region
WV 4
Financial Overview
Total Assets
$128.43M
Total Deposits
$106.75M
Total Loans
$96.04M
Members
10,746
Employees
31 31 Full-time / 0 Part-time
Allowance for Loan Losses
$831,357
Performance Ratios
Net Worth Ratio
16.31%
Loan-to-Deposit Ratio
89.97%
Coverage Ratio
0.87% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +38.03% Total Deposits: +28.88% Total Loans: +29.24% since 2020 Q1
Member Growth
Member Growth
Members: -0.09% since 2020 Q1
Employee Growth
Employee Growth
Employees: -3.13% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
1,089
Amount This Year (YTD)
$22.15M
Number of Loans per Quarter
Loans Granted: -74.21% since 2020 Q1
Loan Amount per Quarter
Amount Granted: -75.16% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1st Mortgages
$33.18M 34.6%
Used Vehicle
$24.46M 25.5%
CRE: Non-Owner-Occupied
$8.40M 8.8%
Other Secured
$8.22M 8.6%
Other Unsecured
$6.26M 6.5%
New Vehicle
$6.06M 6.3%
HELOCs
$5.92M 6.2%
CRE: Owner-Occupied
$2.44M 2.5%
Other Real Estate
$850,197 0.9%
CRE: Construction
$238,808 0.2%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 10,746 | $128.43M | $106.75M | $96.04M | 31 |
| 2025 Q3 | 10,849 | $125.59M | $104.34M | $96.88M | 30 |
| 2025 Q2 | 10,859 | $125.67M | $104.79M | $98.63M | 29 |
| 2025 Q1 | 10,848 | $123.40M | $103.20M | $99.10M | 29 |
| 2024 Q4 | 10,851 | $118.46M | $98.95M | $100.27M | 30 |
| 2024 Q3 | 10,963 | $117.99M | $99.14M | $102.35M | 32 |
| 2024 Q2 | 10,944 | $119.87M | $100.98M | $102.86M | 32 |
| 2024 Q1 | 11,001 | $119.89M | $101.65M | $105.15M | 30 |
| 2023 Q4 | 10,996 | $115.74M | $97.97M | $106.13M | 29 |
| 2023 Q3 | 11,044 | $116.29M | $98.78M | $108.35M | 29 |
| 2023 Q2 | 11,242 | $122.30M | $103.19M | $111.51M | 34 |
| 2023 Q1 | 11,246 | $123.31M | $104.92M | $111.16M | 34 |
| 2022 Q4 | 11,124 | $122.76M | $105.43M | $108.20M | 34 |
| 2022 Q3 | 11,112 | $125.29M | $108.67M | $107.57M | 31 |
| 2022 Q2 | 11,269 | $124.83M | $110.16M | $106.18M | 31 |
| 2022 Q1 | 11,234 | $124.82M | $110.74M | $104.83M | 31 |
| 2021 Q4 | 11,202 | $120.51M | $106.94M | $105.22M | 30 |
| 2021 Q3 | 11,244 | $118.73M | $104.54M | $104.79M | 30 |
| 2021 Q2 | 11,053 | $120.57M | $101.57M | $105.05M | 28 |
| 2021 Q1 | 10,903 | $111.16M | $99.47M | $86.65M | 29 |
| 2020 Q4 | 10,983 | $105.38M | $90.87M | $86.08M | 30 |
| 2020 Q3 | 10,922 | $101.61M | $87.69M | $83.72M | 29 |
| 2020 Q2 | 10,813 | $98.51M | $88.12M | $77.19M | 29 |
| 2020 Q1 | 10,756 | $93.05M | $82.83M | $74.32M | 32 |
Interest Rates
Current average rates by loan type
New Vehicle
6.67%
Used Vehicle
8.95%
1st Mortgage (Fixed)
3.83%
HELOC
7.25%
Other Unsecured
9.87%