Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.3 and a net worth ratio of 13.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.9 has resulted in Good (6.7) profitability. A current level of 9.7 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Consumer loans (72%), home mtgs (3%), other (25%)
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
314 Lowes Drive
Danville, VA 24540
Danville, VA 24540
Phone Number
(434) 793-1278
NCUA Charter Number
Website
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