Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
910 3rd St
Moundsville, WV 26041-1605

Marshall County Credit Union is headquartered in Moundsville and is the 46th largest credit union in the state of West Virginia. It is also the 4,236th largest credit union in the nation. It was established in 1974 and as of March of 2014, it had grown to 4 employees and 2,568 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

No reviews have been left for this bank yet. Be the first to review.


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. Marshall County Credit Union has a 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 Marshall County Credit Union had $19,000 in non-current loans and owned real-estate with $992,000 in equity and loan loss allowances on hand to cover it. This gives Marshall County Credit Union a Texas Ratio of 1.92% 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 Marshall County Credit Union decreased dramatically from 3.20% as of March 31, 2013 to 1.92% as of March 31, 2014, resulting in a positive change of 40.19%.This indicates that the balance sheet and financial strength for Marshall County Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Marshall County Credit Union has increased its total deposits by $588,000, resulting in 5.56% 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.



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 $12.22 million in assets with $992,000 in equity, resulting in a capitalization level of 8.12%, which is average.

Institution Statistics

NCUA #21713
Year Chartered1974
Primary Regulator
Assets and Liabilities
Assets$12.22 million
Loans$5.50 million
Deposits$11.16 million
Equity Capital$985,000
Loan Loss Allowance$7,000
Unbacked Noncurrent Loans$19,000
Real Estate Owned$0
Historic Data - March 2013
Assets$11.62 million
Equity Capital$959,000
Loan Loss Allowance$9,000
Unbacked Noncurrent Loans$19,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.31%
Return on Assets0%
Return on Equity0%
Interest Income$76,000
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Marshall County Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Marshall County Credit Union Savings Account Rates

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

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

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

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