Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 8.4. Fair liquidity 4.2, driven by a liquidity ratio of 24.0 percent and a “hot money” ratio of 7.6 percent.
Asset Mix:
Home mtgs (20%), consumer loans (12%), comm loans (4%), other (63%)
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
17442 Dahlgren Road
Dahlgren, VA 22448
Dahlgren, VA 22448
Phone Number
(540) 663-2181
NCUA Charter Number
Website
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