Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Excellent (9.4) profitability. A current level of 4.6 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (36%), home mtgs (19%), securities (8%), other (38%)
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
135 Stewart Drive
Franklin, VA 23851
Franklin, VA 23851
Phone Number
(757) 569-6000
NCUA Charter Number
Website
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