Tri Ag W Va Credit Union

Tri Ag W Va Credit Union is headquartered in MORGANTOWN and is the 45^th largest credit union in the state of West Virginia. It is also the 4,256^th largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to 6 employees and 2,181 members. Tri Ag W Va Credit Union has a 1-star health rating.

Tri Ag W Va Credit Union Savings Account Rates

Tri Ag W Va Credit Union CD Rates

Data for Q4 2011

Institution Statistics TRI AG W VA NCUA # 12853 BankRate Report View Year Chartered 1959 Employees 6 Primary Regulator Assets and Liabilities Assets $12.62 million Loans $8.71 million Deposits $11.96 million Equity Capital $655,000 Loan Loss Allowance $419,000 Unbacked Noncurrent Loans $1.37 million Historic Data - December 2010 Assets $13.59 million Equity Capital $1.07 million Loan Loss Allowance $150,000 Unbacked Noncurrent Loans $757,000 Profit Margin - Quarterly Net Interest Margin 7.04% Return on Assets -3.28% Return on Equity -63.21% Interest Income $718,000 Non-Interest Income $106,000

Institution Health Overall Score: 1 out of 5 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, 2011 Tri Ag W Va Credit Union had $1.37 million in non-current loans and owned real-estate with $1.07 million in equity and loan loss allowances on hand to cover it. This gives Tri Ag W Va Credit Union a Texas Ratio of 127.47% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Tri Ag W Va Credit Union increased slightly from 62.05% as of December 31, 2010 to 127.47% as of December 31, 2011, resulting in a negative change of 105.43%. This indicates that the balance sheet and financial strength for Tri Ag W Va Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Tri Ag W Va Credit Union has decreased its total deposits by $-499,000, resulting in -4% 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 Tri Ag W Va Credit Union has shown is below average. Capitalization 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. Tri Ag W Va Credit Union has $12.62 million in assets with $1.07 million in equity, resulting in a capitalization level of 8.51%, which is average.

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