Augusta Health Care Credit Union, Incorporated
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.2 and a net worth ratio of 21.2. A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (8.5) profitability. Good liquidity 6.4, driven by a liquidity ratio of 43.0 percent and a “hot money” ratio of 10.0 percent.
Asset Mix:
Consumer loans (38%), other (62%)
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
78 Medical Center Drive
Fishersville, VA 22939
Fishersville, VA 22939
Phone Number
(540) 932-4590
NCUA Charter Number
Website
Largest Competitors
Vienna, VA
Tysons, VA
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Fairfax, VA