Major Rating Factors:
A current level of 25.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 23.7 and a net worth ratio of 23.7. Excellent liquidity 7.6, driven by a liquidity ratio of 88.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (28%), other (72%)
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
21 Seventh Street
Lynchburg, VA 24505
Lynchburg, VA 24505
Phone Number
(434) 845-3801
NCUA Charter Number
Largest Competitors
Vienna, VA
Tysons, VA
Lynchburg, VA
Lynchburg, VA
Lynchburg, VA