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Overview / Commentary
1133 Van Voorhis Rd
Morgantown, WV 26505

Morgantown A E S Credit Union is headquartered in Morgantown and is the 18st largest credit union in the state of West Virginia. It is also the 2,523rd largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 13 employees and 5,363 members. Morgantown A E S Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a US Government employee who work in or have headquarters in Monongalia County, West Virgnia. Also open to employees of Glenmark Associates who work in Monongalia County, West Virginia, Mylan Pharmaceuticals or Davis-Lynch Glass Company. - 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. Morgantown A E S 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 Morgantown A E S Credit Union had $91,000 in non-current loans and owned real-estate with $3.96 million in equity and loan loss allowances on hand to cover it. This gives Morgantown A E S Credit Union a Texas Ratio of 2.30% 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 Morgantown A E S Credit Union experienced no significant changes from 1.23% as of March 31, 2013 to 2.30% as of March 31, 2014, resulting in a negative change of 86.42%. This indicates that the balance sheet and financial strength for Morgantown A E S Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Morgantown A E S Credit Union has increased its total deposits by $1.87 million, resulting in 5.19% 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 Morgantown A E S 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. Morgantown A E S Credit Union has $42.05 million in assets with $3.96 million in equity, resulting in a capitalization level of 9.41%, which is average.

Institution Statistics

NCUA #10695
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$42.05 million
Loans$16.64 million
Deposits$37.95 million
Equity Capital$3.84 million
Loan Loss Allowance$118,000
Unbacked Noncurrent Loans$91,000
Real Estate Owned$0
Historic Data - March 2013
Assets$40.18 million
Equity Capital$3.75 million
Loan Loss Allowance$145,000
Unbacked Noncurrent Loans$91,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.15%
Return on Assets0.26%
Return on Equity2.81%
Interest Income$236,000
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Morgantown A E S Credit Union Savings Account Rates

0.15%$100-Share Account
0.15%$100-Vacation Club Account
0.15%$100-Christmas Club Account

Morgantown A E S Credit Union CD Rates

0.75%$1k-36 Month CD
0.50%$1k-24 Month CD
0.30%$1k-12 Month CD
0.15%$500-6 Month CD

Morgantown A E S Credit Union Locations
Branch Office3610 Collins Ferry RdMorgantown, WV 26505
Branch Office1133 Van Voorhis RdMorgantown, WV 26505
Branch Office1095 Willowdale RdMorgantown, WV 26505