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Overview / Commentary
3400 MacCorkle Ave 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 2,093rd largest credit union in the nation. It was established in 1977 and as of March of 2014, it had grown to 14 employees and 5,564 members. Camc Credit Union has a A health rating.

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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. Camc Credit Union has a relatively 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 Camc Credit Union had $103,000 in non-current loans and owned real-estate with $13.76 million in equity and loan loss allowances on hand to cover it. This gives Camc Credit Union a Texas Ratio of 0.75% 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 experienced no significant changes from 0.40% as of March 31, 2013 to 0.75% as of March 31, 2014, resulting in a negative change of 87.82%. This indicates that the balance sheet and financial strength for Camc Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Camc Credit Union has increased its total deposits by $1.24 million, resulting in 2.75% 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 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. Camc Credit Union has $60.02 million in assets with $13.76 million in equity, resulting in a capitalization level of 22.93%, which is excellent.

Institution Statistics

NCUA #22657
Year Chartered1977
Primary Regulator
Assets and Liabilities
Assets$60.02 million
Loans$23.00 million
Deposits$46.39 million
Equity Capital$13.48 million
Loan Loss Allowance$281,000
Unbacked Noncurrent Loans$57,000
Real Estate Owned$46,000
Historic Data - March 2013
Assets$58.27 million
Equity Capital$12.98 million
Loan Loss Allowance$319,000
Unbacked Noncurrent Loans$57,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.18%
Return on Assets0.74%
Return on Equity3.29%
Interest Income$348,000

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