Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.1) profitability. Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 9.4.
Other Rating Factors:
A current level of 15.1 percent of nonperforming loans to core capital combined with 13.2 percent from a year earlier contributes to the Good asset quality (6.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (38%), consumer loans (27%), other (36%)
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
Largest Competitors
Vienna, VA
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