Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 12.1. A current level of 7.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Fair liquidity 3.2, driven by a liquidity ratio of 24.4 percent and a “hot money” ratio of 8.4 percent.
Asset Mix:
Home mtgs (40%), consumer loans (29%), securities (9%), other (22%)
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
1700 Robin Hood Road
Richmond, VA 23220
Richmond, VA 23220
Phone Number
(804) 359-8754
NCUA Charter Number
Website
Largest Competitors
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA