University of Virginia Community Credit Union
Major Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5). Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 10.1.
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). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Good (5.8) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (21%), securities (7%), comm loans (6%), other (39%)
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
1201 5th St SW
Charlottesville, VA 22902
Charlottesville, VA 22902
Phone Number
(434) 964-2001
NCUA Charter Number
Website
Largest Competitors
Vienna, VA
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Charlottesville, VA