Major Rating Factors:
A current level of 163.9 percent of nonperforming loans to core capital combined with 13.3 percent from a year earlier contributes to the Very Weak asset quality (0.0).
Other 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 (3.4 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 25.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (74%), other (26%)
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
7635 Plantation Road
Roanoke, VA 24019
Roanoke, VA 24019
Phone Number
(540) 362-7315
NCUA Charter Number
Largest Competitors
Roanoke, VA
Roanoke, VA
Roanoke, VA
Roanoke, VA
Roanoke, VA