Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.8) profitability. A current level of 17.2 percent of nonperforming loans to core capital contributes to the Good asset quality (5.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). Excellent liquidity 7.6, driven by a liquidity ratio of 86.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (31%), other (69%)
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
245 Culloden Street
Suffolk, VA 23434
Suffolk, VA 23434
Phone Number
(757) 925-3100
NCUA Charter Number
Largest Competitors
Vienna, VA
Tysons, VA
North Chesterfield, VA
Fairfax, VA
Suffolk, VA