Major Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.2 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (37%), home mtgs (11%), securities (1%), other (52%)
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
Largest Competitors
Vienna, VA
Tysons, VA
Richmond, VA
Newport News, VA
Fairfax, VA