University of Virginia Community Credit Union
Major Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 10.1. Fair liquidity 3.3, driven by a liquidity ratio of 18.3 percent and a “hot money” ratio of 11.3 percent.
Asset Mix:
Consumer loans (28%), home mtgs (20%), securities (8%), comm loans (6%), other (38%)
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
3300 Berkmar Drive
Charlottesville, VA 22901
Charlottesville, VA 22901
Phone Number
(434) 964-2001
NCUA Charter Number
Website
Largest Competitors
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