Major Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Excellent (8.1) profitability. A current level of 8.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.0).
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (38%), home mtgs (10%), comm loans (3%), other (49%)
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
9401 West Broad Street
Henrico, VA 23294
Henrico, VA 23294
Phone Number
(804) 266-0290
NCUA Charter Number
Website
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