Virginia United Methodist Credit Union, Inc.
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.8) profitability.
Other Rating Factors:
A current level of 39.3 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.7). Weak liquidity 2.6, driven by a liquidity ratio of 10.0 percent and a “hot money” ratio of 5.9 percent.
Asset Mix:
Consumer loans (45%), comm loans (19%), home mtgs (5%), comm re (0%), other (31%)
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
7305 Boulder View Lane
North Chesterfield, VA 23225
North Chesterfield, VA 23225
Phone Number
(804) 672-0200
NCUA Charter Number
Website
Largest Competitors
Vienna, VA
Tysons, VA
North Chesterfield, VA
Newport News, VA
Fairfax, VA