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Cabway Telco Credit Union

Cabway Telco Credit Union
Overview / Commentary
1135 6th Ave
Huntington, WV 25701

Cabway Telco Credit Union is headquartered in Huntington and is the 67th largest credit union in the state of West Virginia. It is also the 5,191st largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 466 members. Cabway Telco Credit Union has a B health rating.

Field of Membership Restrictions

Must be employed by Frontier or Verizon or be retired from the company. Family members of employees or members. - 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. Cabway Telco 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 Cabway Telco Credit Union had $105,000 in non-current loans and owned real-estate with $1.03 million in equity and loan loss allowances on hand to cover it. This gives Cabway Telco Credit Union a Texas Ratio of 10.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Cabway Telco Credit Union decreased slightly from 13.72% as of March 31, 2013 to 10.16% as of March 31, 2014, resulting in a positive change of 25.91%.This indicates that the balance sheet and financial strength for Cabway Telco Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Cabway Telco Credit Union has increased its total deposits by $126,000, resulting in 3.03% 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 Cabway Telco 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. Cabway Telco Credit Union has $5.31 million in assets with $1.03 million in equity, resulting in a capitalization level of 19.47%, which is excellent.

Institution Statistics

NCUA #10449
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$5.31 million
Loans$2.02 million
Deposits$4.28 million
Equity Capital$1.01 million
Loan Loss Allowance$20,000
Unbacked Noncurrent Loans$105,000
Real Estate Owned$0
Historic Data - March 2013
Assets$5.14 million
Equity Capital$968,000
Loan Loss Allowance$16,000
Unbacked Noncurrent Loans$105,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.19%
Return on Assets0.75%
Return on Equity3.95%
Interest Income$55,000

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Cabway Telco Credit Union Locations
Branch Office1135 6th AveHuntington, WV 25701