Major Rating Factors:
A current level of 2.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 0.0.
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 14.3 percent and a “hot money” ratio of 4.2 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (5.6) profitability.
Asset Mix:
Consumer loans (35%), home mtgs (3%), other (62%)
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
702 Elm Street
Hopewell, VA 23860
Hopewell, VA 23860
Phone Number
(804) 452-2480
NCUA Charter Number
Website
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