Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.2 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.3 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 8.0. Fair liquidity 4.7, driven by a liquidity ratio of 13.9 percent and a “hot money” ratio of 6.2 percent.
Asset Mix:
Consumer loans (39%), home mtgs (4%), other (56%)
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
7700 Shrader Road
Richmond, VA 23228
Richmond, VA 23228
Phone Number
(804) 756-5000
NCUA Charter Number
Website
Largest Competitors
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA
