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 (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.0) profitability.
Other Rating Factors:
A current level of 14.4 percent of nonperforming loans to core capital combined with 20.0 percent from a year earlier contributes to the Fair asset quality (4.0). Fair liquidity 4.8, driven by a liquidity ratio of 46.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (66%), other (34%)
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
501 West Main Street
Radford, VA 24141
Radford, VA 24141
Phone Number
(540) 639-9046 8377
NCUA Charter Number
Largest Competitors
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