Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 11.7. A current level of 5.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4).
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 (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.4 has resulted in Fair (3.9) profitability.
Asset Mix:
Home mtgs (34%), consumer loans (24%), comm loans (0%), other (41%)
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
5175 Parkstone Drive
Chantilly, VA 20151
Chantilly, VA 20151
Phone Number
(703) 480-5300
NCUA Charter Number
Website
Largest Competitors
Vienna, VA
Tysons, VA
North Chesterfield, VA
Newport News, VA
Fairfax, VA