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Overview / Commentary
1 Cantley Dr
Charleston, WV 25314

Atlantic Greyhound Credit Union is headquartered in Charleston and is the 76th largest credit union in the state of West Virginia. It is also the 5,674th largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 1 employees and 497 members. Atlantic Greyhound Credit Union's CD rates are 11% higher than the national average, but it has a C health rating.

Field of Membership Restrictions

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Data for Q1 2014

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. Atlantic Greyhound Credit Union has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Atlantic Greyhound Credit Union had $167,000 in non-current loans and owned real-estate with $1.07 million in equity and loan loss allowances on hand to cover it. This gives Atlantic Greyhound Credit Union a Texas Ratio of 15.58% 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 Atlantic Greyhound Credit Union decreased dramatically from 37.30% as of March 31, 2013 to 15.58% as of March 31, 2014, resulting in a positive change of 58.23%.This indicates that the balance sheet and financial strength for Atlantic Greyhound Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Atlantic Greyhound Credit Union has decreased its total deposits by $-483,000, resulting in -15.83% 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 Atlantic Greyhound Credit Union has shown is poor.



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. Atlantic Greyhound Credit Union has $3.04 million in assets with $1.07 million in equity, resulting in a capitalization level of 35.22%, which is excellent.

Institution Statistics

NCUA #12252
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$3.04 million
Deposits$2.57 million
Equity Capital$461,000
Loan Loss Allowance$611,000
Unbacked Noncurrent Loans$144,000
Real Estate Owned$23,000
Historic Data - March 2013
Assets$3.93 million
Equity Capital$861,000
Loan Loss Allowance$182,000
Unbacked Noncurrent Loans$144,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.66%
Return on Assets-49.54%
Return on Equity-327.11%
Interest Income$19,000
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Atlantic Greyhound Credit Union CD Rates

1.00%$2,500-1 Year CD

Atlantic Greyhound Credit Union Locations
Branch Office1 Cantley DrCharleston, WV 25314-1089