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Overview / Commentary
P.O. Box 844
Morgantown, WV 26507

Tri Ag W Va Credit Union is headquartered in MORGANTOWN and is the 51st largest credit union in the state of West Virginia. It is also the 4,431st largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 5 employees and 1,996 members. Tri Ag W Va Credit Union has a C+ health rating.

Field of Membership Restrictions

Employees of the U.S Department of Agriculture, who work in or are directed from the offices of the Agricultural Stabilization & conservation Service, Farmers Home Administration, and Soil conservation Service, in Morgantown, West Virginia - 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. Tri Ag W Va 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 Tri Ag W Va Credit Union had $0 in non-current loans and owned real-estate with $875,000 in equity and loan loss allowances on hand to cover it. This gives Tri Ag W Va Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Tri Ag W Va Credit Union has decreased its total deposits by -$1.51 million, resulting in -13.47% 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 poor.



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 $10.44 million in assets with $875,000 in equity, resulting in a capitalization level of 8.38%, which is average.

Institution Statistics

NCUA #12853
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$10.44 million
Loans$6.22 million
Deposits$9.68 million
Equity Capital$736,000
Loan Loss Allowance$139,000
Real Estate Owned$0
Historic Data - March 2013
Assets$11.87 million
Equity Capital$669,000
Loan Loss Allowance$261,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.55%
Return on Assets1.03%
Return on Equity14.67%
Interest Income$106,000
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Tri Ag W Va Credit Union Savings Account Rates

0.10%$20k$1mRegular Shares
0.10%$20k$1mChristmas Account
0.10%$20k$1mEducation Account
0.10%$20k$1mVacation Account
0.05%--Traditional IRA
0.05%--Roth IRA
0.05%--Coverdell Education IRA

Tri Ag W Va Credit Union CD Rates

0.30%$1k$250k24 Month CD
0.20%$1k$250k12 Month CD
0.10%$1k$250k6 Month CD

Tri Ag W Va Credit Union Locations
Branch Office1550 EARL L Core Rd Ste 100MORGANTOWN, WV 26505-5920