Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.5 and a net worth ratio of 17.5. A current level of 7.3 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (7.8).
Asset Mix:
Consumer loans (33%), home mtgs (6%), securities (1%), other (60%)
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
3600 Oaklawn Boulevard
Hopewell, VA 23860
Hopewell, VA 23860
Phone Number
(804) 541-1473
NCUA Charter Number
Website
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