Major Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 9.1. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.2) profitability.
Asset Mix:
Consumer loans (34%), home mtgs (10%), comm loans (8%), securities (1%), 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
11651 Alliance Circle
Chester, VA 23831
Chester, VA 23831
Phone Number
(804) 748-9488
NCUA Charter Number
Website
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