Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.6 on a scale of 0 to 10). Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 0.0.
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 25.3 percent and a “hot money” ratio of 5.8 percent. Operating profits as a percentage of assets at 5.9%, coupled with a return on assets of 3.4 has resulted in Good (5.8) profitability.
Asset Mix:
Consumer loans (38%), home mtgs (3%), other (59%)
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