Virginia Educators' Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.1 and a net worth ratio of 17.1. A current level of 0.8 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 3.6%, coupled with a return on assets of 3.6 has resulted in Excellent (9.1) profitability. Excellent liquidity 8.9, driven by a liquidity ratio of 100.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (8%), home mtgs (4%), other (89%)
Largest Competitors
Vienna, VA
Tysons, VA
Newport News, VA
Newport News, VA
Newport News, VA