Institution Profile
Address: P.O. Box 868 Fairmont, WV 26554
(304) 366-9280
NCUA Profile:
Charter Date:
5/23/1967
Charter Type:
Federal
Branches:
1
Branches by Region
WV 1
Financial Overview
Total Assets
$1.41M
Total Deposits
$1.26M
Total Loans
$850,968
Members
330
Employees
4 0 Full-time / 4 Part-time
Allowance for Loan Losses
$38,737
Performance Ratios
Net Worth Ratio
9.95%
Loan-to-Deposit Ratio
67.36%
Coverage Ratio
4.55% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +15.16% Total Deposits: +16.45% Total Loans: +22.66% since 2020 Q1
Member Growth
Member Growth
Members: -0.60% since 2020 Q1
Employee Growth
Employee Growth
Employees: +100.00% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
25
Amount This Year (YTD)
$93,340
Number of Loans per Quarter
Loans Granted: -211.11% since 2020 Q1
Loan Amount per Quarter
Amount Granted: -503.94% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
New Vehicle
$319,757 37.6%
Used Vehicle
$311,514 36.6%
Other Unsecured
$198,705 23.4%
Other Secured
$20,992 2.5%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 330 | $1.41M | $1.26M | $850,968 | 4 |
| 2025 Q3 | 336 | $1.39M | $1.24M | $873,759 | 4 |
| 2025 Q2 | 324 | $1.40M | $1.26M | $873,964 | 4 |
| 2025 Q1 | 330 | $1.36M | $1.21M | $924,224 | 3 |
| 2024 Q4 | 328 | $1.35M | $1.21M | $897,100 | 3 |
| 2024 Q3 | 328 | $1.40M | $1.23M | $965,271 | 3 |
| 2024 Q2 | 327 | $1.37M | $1.21M | $965,310 | 3 |
| 2024 Q1 | 328 | $1.34M | $1.18M | $1.01M | 3 |
| 2023 Q4 | 328 | $1.27M | $1.11M | $922,029 | 2 |
| 2023 Q3 | 324 | $1.26M | $1.09M | $840,202 | 2 |
| 2023 Q2 | 327 | $1.31M | $1.14M | $879,091 | 2 |
| 2023 Q1 | 323 | $1.30M | $1.14M | $952,216 | 2 |
| 2022 Q4 | 326 | $1.29M | $1.13M | $953,715 | 2 |
| 2022 Q3 | 324 | $1.48M | $1.31M | $986,185 | 2 |
| 2022 Q2 | 325 | $1.50M | $1.34M | $957,701 | 2 |
| 2022 Q1 | 324 | $1.57M | $1.41M | $957,186 | 2 |
| 2021 Q4 | 326 | $1.51M | $1.36M | $900,478 | 2 |
| 2021 Q3 | 331 | $1.53M | $1.38M | $958,275 | 2 |
| 2021 Q2 | 325 | $1.48M | $1.33M | $963,866 | 2 |
| 2021 Q1 | 331 | $1.45M | $1.31M | $892,575 | 2 |
| 2020 Q4 | 329 | $1.37M | $1.23M | $779,162 | 2 |
| 2020 Q3 | 332 | $1.35M | $1.22M | $776,429 | 2 |
| 2020 Q2 | 332 | $1.30M | $1.16M | $709,884 | 2 |
| 2020 Q1 | 332 | $1.22M | $1.08M | $693,773 | 2 |
Interest Rates
Current average rates by loan type
New Vehicle
4.00%
Used Vehicle
6.00%
Other Unsecured
10.00%