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Overview / Commentary
801 Ann St
Parkersburg, WV 26101

C C M H Credit Union is headquartered in Parkersburg and is the 71st largest credit union in the state of West Virginia. It is also the 5,410st largest credit union in the nation. It was established in 1972 and as of March of 2014, it had grown to 4 employees and 1,466 members. C C M H Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an employee or medical staff of Camden Clark Memorial Hospital or be an employee of other select group. - See Details

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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. C C M H 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 C C M H Credit Union had $70,000 in non-current loans and owned real-estate with $559,000 in equity and loan loss allowances on hand to cover it. This gives C C M H Credit Union a Texas Ratio of 12.52% 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 C C M H Credit Union decreased slightly from 15.63% as of March 31, 2013 to 12.52% as of March 31, 2014, resulting in a positive change of 19.86%.This indicates that the balance sheet and financial strength for C C M H Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, C C M H Credit Union has increased its total deposits by $66,000, resulting in 1.73% 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 C C M H Credit Union has shown is above average.



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. C C M H Credit Union has $4.38 million in assets with $559,000 in equity, resulting in a capitalization level of 12.77%, which is excellent.

Institution Statistics

NCUA #21057
Year Chartered1972
Primary Regulator
Assets and Liabilities
Assets$4.38 million
Loans$3.34 million
Deposits$3.88 million
Equity Capital$502,000
Loan Loss Allowance$57,000
Unbacked Noncurrent Loans$70,000
Real Estate Owned$0
Historic Data - March 2013
Assets$4.29 million
Equity Capital$483,000
Loan Loss Allowance$61,000
Unbacked Noncurrent Loans$70,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.18%
Return on Equity1.59%
Interest Income$42,000
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C C M H Credit Union Savings Account Rates

0.25%--Regular Share Savings
0.25%--Christmas Club
0.25%--Vacation Club
0.25%--Restricted Shares
0.25%--Loan Savings

C C M H Credit Union CD Rates

0.50%--12 Month CD
0.35%--6 Month CD

C C M H Credit Union Locations
Branch Office801 Ann StParkersburg, WV 26101