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Overview / Commentary
15710 Energy Rd
Proctor, WV 26055

Natrium Employees Federal Credit Union is headquartered in Proctor and is the 59th largest credit union in the state of West Virginia. It is also the 4,412th largest credit union in the nation. It was established in 1984 and as of September of 2016, it had grown to 3 employees and 795 members at 1 location. Natrium Employees Federal Credit Union has a C+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Natrium Employees Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #24090
Year Chartered1984
Primary Regulator
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD1.93%
Annual Interest Income$142.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$8.5MM$8.8MM
LoansQ3 2016vs Q3 2015$2.4MM$2.3MM
DepositsQ3 2016vs Q3 2015$7.7MM$8.1MM
Equity CapitalQ3 2016vs Q3 2015$690.00K$666.00K
Loan Loss AllowanceQ3 2016vs Q3 2015$39.00K$36.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$26.00K$20.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0

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Natrium Employees Federal Credit Union Locations
Branch Office15710 Energy RdProctor, WV 26055-1302