Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (1.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.1 and a net worth ratio of 16.1. A current level of 3.1 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Excellent asset quality (7.0).
Asset Mix:
Consumer loans (52%), home mtgs (0%), other (47%)
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
109 Highland Avenue, SW
Roanoke, VA 24016
Roanoke, VA 24016
Phone Number
(540) 985-8535
NCUA Charter Number
Website
Largest Competitors
Roanoke, VA
Roanoke, VA
Roanoke, VA
Roanoke, VA
Roanoke, VA