Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.7 and a net worth ratio of 17.7. Excellent liquidity 8.5, driven by a liquidity ratio of 100.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (20%), other (80%)
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
280 Lee Street
Bristol, VA 24201
Bristol, VA 24201
Phone Number
(276) 821-5647
NCUA Charter Number
Largest Competitors
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