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 Weak overall stability index (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.6) profitability.
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 13.5 percent and a “hot money” ratio of 0.4 percent. A current level of 12.6 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Consumer loans (43%), securities (4%), home mtgs (2%), other (51%)
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
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