Virginia United Methodist Credit Union, Inc.
Major Rating Factors:
A current level of 35.1 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.7). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.1 has resulted in Fair (3.3) profitability.
Other Rating Factors:
Weak liquidity 1.8, driven by a liquidity ratio of 5.2 percent and a “hot money” ratio of 3.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (49%), comm loans (20%), home mtgs (5%), comm re (0%), other (25%)
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