Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Good (5.1) profitability.
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 9.9. A current level of 5.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Asset Mix:
Home mtgs (24%), consumer loans (11%), other (65%)
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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