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Overview / Commentary
3400 MacCorkle Avenue SE
Charleston, WV 25304

Camc Credit Union is headquartered in Charleston and is the 13st largest credit union in the state of West Virginia. It is also the 2,087th largest credit union in the nation. It was established in 1977 and as of December of 2013, it had grown to 13 employees and 5,632 members. Camc Credit Union has a A 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. Camc Credit Union has a relatively 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 Camc Credit Union had $53,000 in non-current loans and owned real-estate with $13.67 million in equity and loan loss allowances on hand to cover it. This gives Camc Credit Union a Texas Ratio of 0.39% 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 Camc Credit Union decreased dramatically from 0.79% as of December 31, 2012 to 0.39% as of December 31, 2013, resulting in a positive change of 50.78%.This indicates that the balance sheet and financial strength for Camc Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Camc Credit Union has increased its total deposits by $1.73 million, resulting in 3.96% 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 Camc 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. Camc Credit Union has $58.9 million in assets with $13.67 million in equity, resulting in a capitalization level of 23.21%, which is excellent.

Institution Statistics

NCUA #22657
Year Chartered1977
Primary Regulator
Assets and Liabilities
Assets$58.90 million
Loans$22.94 million
Deposits$45.46 million
Equity Capital$13.37 million
Loan Loss Allowance$300,000
Unbacked Noncurrent Loans$53,000
Real Estate Owned$0
Historic Data - December 2012
Assets$56.72 million
Equity Capital$12.88 million
Loan Loss Allowance$324,000
Unbacked Noncurrent Loans$53,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.81%
Return on Assets0.83%
Return on Equity3.67%
Interest Income$1.40 million

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Camc Credit Union Locations
Branch Office3400 MacCorkle Ave SECharleston, WV 25304