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 12.0. A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Excellent (7.3) profitability. Good liquidity 6.6, driven by a liquidity ratio of 34.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (24%), home mtgs (12%), other (64%)
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
3176 Fort Avenue
Lynchburg, VA 24501
Lynchburg, VA 24501
Phone Number
(434) 845-1013
NCUA Charter Number
Website
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