Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.1 has resulted in Weak (1.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 8.2 percent. A current level of 11.4 percent of nonperforming loans to core capital combined with 12.1 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Home mtgs (26%), consumer loans (13%), 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
22110 Pacific Boulevard
Sterling, VA 20166
Sterling, VA 20166
Phone Number
(571) 250-2019
NCUA Charter Number
Website
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