ValleyStar Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 10.3. A current level of 12.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8).
Asset Mix:
Comm loans (26%), home mtgs (22%), consumer loans (14%), other (37%)
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
35 DuPont Road
Martinsville, VA 24112
Martinsville, VA 24112
Phone Number
(276) 632-1679
NCUA Charter Number
Website
Largest Competitors
Vienna, VA
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