Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 10.4. A current level of 6.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 30.8 percent and a “hot money” ratio of 15.8 percent.
Asset Mix:
Home mtgs (35%), consumer loans (13%), securities (4%), other (48%)
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
10461 White Granite Drive
Oakton, VA 22124
Oakton, VA 22124
Phone Number
(703) 934-8300
NCUA Charter Number
Website
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