Major Rating Factors:
Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.0 has resulted in Good (6.7) profitability. A current level of 11.6 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 8.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (45%), home mtgs (9%), securities (2%), other (44%)
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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