Major Rating Factors:
A current level of 9.3 percent of nonperforming loans to core capital combined with 11.6 percent from a year earlier contributes to the Good asset quality (6.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (38%), home mtgs (10%), securities (1%), other (51%)
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
11651 Alliance Circle
Chester, VA 23831
Chester, VA 23831
Phone Number
(804) 748-9488
NCUA Charter Number
Website
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