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Overview / Commentary
304-843-1179
910 third Street
Moundsville, WV 26041

Marshall County Credit Union is headquartered in Moundsville and is the 48th largest credit union in the state of West Virginia. It is also the 4,310st largest credit union in the nation. It was established in 1974 and as of December of 2013, it had grown to 4 employees and 2,620 members. Marshall County Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee of the Marshall County School, Marshall County Commission or other select groups. - See Details

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Health

Data for Q4 2013

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Marshall County Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

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 Marshall County Credit Union had $5,000 in non-current loans and owned real-estate with $991,000 in equity and loan loss allowances on hand to cover it. This gives Marshall County Credit Union a Texas Ratio of 0.50% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Marshall County Credit Union decreased dramatically from 3.55% as of December 31, 2012 to 0.50% as of December 31, 2013, resulting in a positive change of 85.77%.This indicates that the balance sheet and financial strength for Marshall County Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Marshall County Credit Union has increased its total deposits by $319,000, resulting in 3.19% 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 Marshall County Credit Union has shown is excellent.

Capitalization

GRADE:
C

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. Marshall County Credit Union has $11.37 million in assets with $991,000 in equity, resulting in a capitalization level of 8.72%, which is average.

Institution Statistics

Overall
NCUA #21713
Year Chartered1974
Employees4
Primary Regulator
Assets and Liabilities
Assets$11.37 million
Loans$5.55 million
Deposits$10.32 million
Equity Capital$985,000
Loan Loss Allowance$6,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Historic Data - December 2012
Assets$10.96 million
Equity Capital$951,000
Loan Loss Allowance$8,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.41%
Return on Assets0.29%
Return on Equity3.35%
Interest Income$319,000
Rates
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Marshall County Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%--AGE Account
0.25%--Christmas Club Account
0.25%--Vacation Club Account
0.15%$20k-Share Account
0.15%$20k-Sub Account
0.15%$10k-IRA Share Account
0.15%$20k-Tax/Insurance Account

Marshall County Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.60%$1k-36 Month Share Certificate
0.50%$1k-24 Month Share Certificate
0.40%$1k-18 Month Share Certificate
0.30%$1k-12 Month Share Certificate
0.20%$500-6 Month Share Certificate

Marshall County Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.60%$1k-36 Month IRA Certificate
0.50%$1k-24 Month IRA Certificate
0.40%$1k-18 Month IRA Certificate
0.30%$1k-12 Month IRA Certificate
0.20%$500-6 Month IRA Certificate
Locations


Marshall County Credit Union Locations
Branch Office910 3rd StMoundsville, WV 26041-1605