Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (5.0) profitability. A current level of 20.1 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier 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 30.1 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (39%), other (61%)
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