Major Rating Factors:
Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 1.0 has resulted in Good (6.9) profitability. A current level of 10.5 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (37%), home mtgs (28%), securities (0%), other (34%)
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
820 Follin Lane, SE
Vienna, VA 22180
Vienna, VA 22180
Phone Number
(888) 842-6328
NCUA Charter Number
Website
Largest Competitors
Tysons, VA
Newport News, VA
Richmond, VA
Herndon, VA
