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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.3 has resulted in Good (5.2) profitability.
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 10.5. A current level of 9.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Asset Mix:
Home mtgs (39%), consumer loans (21%), comm loans (3%), other (38%)
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
7940 Jones Branch Drive
Tysons, VA 22102
Tysons, VA 22102
Phone Number
(571) 395-0306
NCUA Charter Number
Website
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