Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 24.3 and a net worth ratio of 25.3. 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).
Other Rating Factors:
Good liquidity 6.5, driven by a liquidity ratio of 60.9 percent and a “hot money” ratio of 2.4 percent.
Asset Mix:
Consumer loans (23%), home mtgs (19%), other (58%)
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
133 Tynes Street
Suffolk, VA 23434
Suffolk, VA 23434
Phone Number
(757) 922-8101
NCUA Charter Number
Largest Competitors
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