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P.O. Box A
Alderson, WV 24910

Alderson Fci Credit Union is headquartered in Alderson and is the 64th largest credit union in the state of West Virginia. It is also the 5,060th largest credit union in the nation. It was established in 1955 and as of December of 2013, it had grown to 1 employees and 810 members. Alderson Fci Credit Union has a C+ health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Alderson Fci Credit Union has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Alderson Fci Credit Union had $130,000 in non-current loans and owned real-estate with $656,000 in equity and loan loss allowances on hand to cover it. This gives Alderson Fci Credit Union a Texas Ratio of 19.82% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Alderson Fci Credit Union experienced no significant changes from 21.95% as of December 31, 2012 to 19.82% as of December 31, 2013, resulting in a positive change of 9.72%.This indicates that the balance sheet and financial strength for Alderson Fci Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Alderson Fci Credit Union has increased its total deposits by $369,000, resulting in 7.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alderson Fci Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alderson Fci Credit Union has $6.15 million in assets with $656,000 in equity, resulting in a capitalization level of 10.66%, which is above average.

Institution Statistics

NCUA #10520
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$6.15 million
Loans$4.33 million
Deposits$5.48 million
Equity Capital$642,000
Loan Loss Allowance$14,000
Unbacked Noncurrent Loans$130,000
Real Estate Owned$0
Historic Data - December 2012
Assets$5.70 million
Equity Capital$552,000
Loan Loss Allowance$22,000
Unbacked Noncurrent Loans$130,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.92%
Return on Assets1.46%
Return on Equity14.02%
Interest Income$285,000

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Alderson Fci Credit Union Locations
Branch Office1600 Industrial Park RdBeaver, WV 25813-9529
Branch OfficePO Box A Federal Prison CampAlderson, WV 24910-0990