Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.1 has resulted in Fair (4.0) profitability. Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 9.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). A current level of 10.4 percent of nonperforming loans to core capital combined with 12.9 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Home mtgs (37%), consumer loans (28%), other (36%)
Largest Competitors
Vienna, VA
Newport News, VA
Richmond, VA
Herndon, VA
Fairfax, VA