Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.5 has resulted in Good (5.4) profitability.
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 9.0. A current level of 5.6 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Consumer loans (54%), home mtgs (22%), other (23%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
202 Fourth Street, NE
Roanoke, VA 24016
Roanoke, VA 24016
Phone Number
(540) 982-8811
NCUA Charter Number
Website
Largest Competitors
Roanoke, VA
Roanoke, VA
Roanoke, VA
Roanoke, VA
Roanoke, VA