Element Federal Credit Union

Weiss Ratings	Element Federal Credit Union Charleston, WV	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	8.50
Capitalization Index	10.00
Liquidity Index	4.30
Profitability Index	9.50
Stability Index	7.50

Company Info	Element Federal Credit Union Charleston, WV	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	3863
Phone Number	(304) 721-4145
Website	www.elementfcu.org/

Asset Quality	Element Federal Credit Union Charleston, WV	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	29.92%
5-Year Asset Growth	12.70%
5-Year Charge-Offs to Average Loans	0.71%
Charge-Offs to Average Loans	0.52%
Non-Performing Assets to Assets	0.55%
Non-Performing Loans to Capital	4.26%
Non-Performing Loans to Loans	0.52%

Balance Sheet	Element Federal Credit Union Charleston, WV	Click to Compare	Click to Compare	Click to Compare
Total Assets	67.82M
Total Deposits	58.93M

Capital and Reserves	Element Federal Credit Union Charleston, WV	Click to Compare	Click to Compare	Click to Compare
Capital	8.37M
Leverage Ratio	12.36
Loan Loss Reserves to Loans	1.43%

Liquidity	Element Federal Credit Union Charleston, WV	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	2.74%
Liquidity Ratio	51.81%

Profitability	Element Federal Credit Union Charleston, WV	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.53%
Net Income	773.00K
Net Interest Spread	6.39%
Operating Profit to Average Assets	1.66%
Overhead Efficiency Ratio	72.12%
Return on Assets	1.63%
Return on Equity	12.97%