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Overview / Commentary
3695 Robert C Byrd Dr
Beckley, WV 25801

Telbec Credit Union is headquartered in Beckley and is the 44th largest credit union in the state of West Virginia. It is also the 4,097th largest credit union in the nation. It was established in 1963 and as of December of 2013, it had grown to 4 employees and 1,499 members. Telbec Credit Union's savings rates are 94% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must be an employee of Frontier, AT&T, Lucent, Avaya, Maxwell Hill Baptist Church, Hilltop Baptist Church, Athletics and Physical Therapy Services, Mountain State ENT and Facial Plastic Surgery Inc., Glen-White Trap Hills P.S.D. or Egnor Monuments. - See Details

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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. Telbec Credit Union has a 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 Telbec Credit Union had $10,000 in non-current loans and owned real-estate with $1.47 million in equity and loan loss allowances on hand to cover it. This gives Telbec Credit Union a Texas Ratio of 0.68% 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 Telbec Credit Union decreased dramatically from 1.62% as of December 31, 2012 to 0.68% as of December 31, 2013, resulting in a positive change of 57.87%.This indicates that the balance sheet and financial strength for Telbec Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Telbec Credit Union has decreased its total deposits by $-617,000, resulting in -4.99% 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 Telbec Credit Union has shown is below 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. Telbec Credit Union has $13.14 million in assets with $1.47 million in equity, resulting in a capitalization level of 11.17%, which is excellent.

Institution Statistics

NCUA #15632
Year Chartered1963
Primary Regulator
Assets and Liabilities
Assets$13.14 million
Loans$10.31 million
Deposits$11.74 million
Equity Capital$1.38 million
Loan Loss Allowance$89,000
Unbacked Noncurrent Loans$10,000
Real Estate Owned$0
Historic Data - December 2012
Assets$13.62 million
Equity Capital$1.22 million
Loan Loss Allowance$76,000
Unbacked Noncurrent Loans$10,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.22%
Return on Assets1.38%
Return on Equity13.13%
Interest Income$554,000
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Telbec Credit Union Savings Account Rates

1.01%--No Minimum Term IRA Share
0.90%--Monthly Interest Paid IRA Share Savings
0.70%$55k-Tiered Share Savings
0.25%--Vacation Club
0.25%--Christmas Club

Telbec Credit Union Checking Account Rates

0.10%--Share Draft

Telbec Credit Union CD Rates

1.01%$1k-33 Month CD
0.75%$1k-15 Month CD
0.60%$1k-1 Year CD

Telbec Credit Union IRA Rates

1.41%--5 Year Traditional IRA
1.11%--3 Year Traditional IRA

Telbec Credit Union Locations
Branch Office3695 Robert C Byrd DrBeckley, WV 25801-9069