Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.4.
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Good (6.5) profitability. Good liquidity 5.7, driven by a liquidity ratio of 11.7 percent and a “hot money” ratio of 4.4 percent.
Asset Mix:
Consumer loans (34%), home mtgs (3%), other (63%)
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
Largest Competitors
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