West Virginia Credit Union

West Virginia Credit Union is headquartered in South Charlesto and is the 4^th largest credit union in the state of West Virginia. It is also the 981^st largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 39 employees and 12,806 members. West Virginia Credit Union's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

West Virginia Credit Union Checking Account Rates

West Virginia Credit Union Savings Account Rates

West Virginia Credit Union Money Market Rates

West Virginia Credit Union CD Rates

West Virginia Credit Union IRA Rates

Data for Q4 2011

Institution Statistics WEST VIRGINIA NCUA # 17057 BankRate Report View Year Chartered 1965 Employees 39 Primary Regulator Assets and Liabilities Assets $165.76 million Loans $90.69 million Deposits $150.19 million Equity Capital $15.05 million Loan Loss Allowance $1.24 million Unbacked Noncurrent Loans $877,000 Historic Data - December 2010 Assets $156.54 million Equity Capital $16.12 million Loan Loss Allowance $376,000 Unbacked Noncurrent Loans $2.86 million Real Estate Owned $66,000 Profit Margin - Quarterly Net Interest Margin 5.13% Return on Assets -0.66% Return on Equity -7.32% Interest Income $6.23 million Non-Interest Income $664,000

Institution Health Overall Score: 5 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 West Virginia Credit Union had $877,000 in non-current loans and owned real-estate with $16.29 million in equity and loan loss allowances on hand to cover it. This gives West Virginia Credit Union a Texas Ratio of 5.38% 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 West Virginia Credit Union decreased significantly from 17.74% as of December 31, 2010 to 5.38% as of December 31, 2011, resulting in a positive change of 69.65%.This indicates that the balance sheet and financial strength for West Virginia Credit Union has improved significantly in recent periods. Deposit Growth In the past year, West Virginia Credit Union has increased its total deposits by $10.62 million, resulting in 7.61% 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 West Virginia Credit Union has shown is excellent. 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. West Virginia Credit Union has $165.76 million in assets with $16.29 million in equity, resulting in a capitalization level of 9.83%, which is average.

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