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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 4,428th largest credit union in the nation. It was established in 1984 and as of June of 2016, it had grown to 3 employees and 813 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 - YTD0.14%
Return on Equity - YTD1.75%
Annual Interest Income$94.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$8.6MM$9.1MM
LoansQ2 2016vs Q2 2015$2.2MM$2.4MM
DepositsQ2 2016vs Q2 2015$7.9MM$8.4MM
Equity CapitalQ2 2016vs Q2 2015$684.00K$662.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$35.00K$39.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$27.00K$23.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0

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