Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.3 and a net worth ratio of 19.3. A current level of 1.3 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Good liquidity 5.6, driven by a liquidity ratio of 41.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (33%), home mtgs (4%), other (63%)
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
1601 Ownby Lane
Richmond, VA 23220
Richmond, VA 23220
Phone Number
(804) 355-9684
NCUA Charter Number
Website
Largest Competitors
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA
