Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (4.4) profitability. Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 10.7.
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Comm loans (48%), home mtgs (18%), consumer loans (16%), other (18%)
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
207 Bullitt Ave SE
Roanoke, VA 24013
Roanoke, VA 24013
Phone Number
(540) 389-0244
NCUA Charter Number
Website
Largest Competitors
Roanoke, VA
Roanoke, VA
Roanoke, VA
Roanoke, VA
Roanoke, VA