Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.2 has resulted in Fair (3.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 14.4 percent of nonperforming loans to core capital combined with 14.4 percent from a year earlier contributes to the Good asset quality (6.1). Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (39%), consumer loans (23%), 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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