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Overview / Commentary
448 Harding Ave
Morgantown, WV 26505

WVU Employees Credit Union is headquartered in Morgantown and is the 26th largest credit union in the state of West Virginia. It is also the 2,956th largest credit union in the nation. It was established in 1961 and as of December of 2013, it had grown to 6 employees and 4,923 members. WVU Employees Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee of WVU or any of the affiliated organizations - 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. WVU Employees 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 WVU Employees Credit Union had $122,000 in non-current loans and owned real-estate with $3.05 million in equity and loan loss allowances on hand to cover it. This gives WVU Employees Credit Union a Texas Ratio of 4.00% 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 WVU Employees Credit Union decreased slightly from 4.48% as of December 31, 2012 to 4.00% as of December 31, 2013, resulting in a positive change of 10.86%.This indicates that the balance sheet and financial strength for WVU Employees Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, WVU Employees Credit Union has increased its total deposits by $1.78 million, resulting in 7.18% 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 WVU Employees 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. WVU Employees Credit Union has $29.62 million in assets with $3.05 million in equity, resulting in a capitalization level of 10.31%, which is above average.

Institution Statistics

NCUA #14611
Year Chartered1961
Primary Regulator
Assets and Liabilities
Assets$29.62 million
Loans$7.48 million
Deposits$26.62 million
Equity Capital$2.98 million
Loan Loss Allowance$75,000
Unbacked Noncurrent Loans$122,000
Real Estate Owned$0
Historic Data - December 2012
Assets$27.79 million
Equity Capital$2.90 million
Loan Loss Allowance$85,000
Unbacked Noncurrent Loans$122,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.86%
Return on Assets0.25%
Return on Equity2.45%
Interest Income$578,000
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WVU Employees Credit Union Savings Account Rates

0.30%--Christmas Club Account
0.21%$25k-Share Account

WVU Employees Credit Union Checking Account Rates

0.15%--Share Draft Account

WVU Employees Credit Union CD Rates

0.60%$500-36 Month CD
0.40%$500-24 Month CD
0.25%$500-12 Month CD
0.16%$500-6 Month CD
0.11%$500-3 Month CD

WVU Employees Credit Union Locations
Branch Office448 Harding AveMorgantown, WV 26505