Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10).
Other Rating Factors:
Very Weak current capitalization (0.8 on a scale of 0 to 10) based on a net capital to total assets of 4.3 and a net worth ratio of 8.5. Good liquidity 6.0, driven by a liquidity ratio of 28.8 percent and a “hot money” ratio of 2.0 percent.
Asset Mix:
Consumer loans (28%), other (72%)
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
801 Sycolin Road, SE
Leesburg, VA 20175
Leesburg, VA 20175
Phone Number
(703) 777-4744
NCUA Charter Number
Website
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