Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.0 and a net worth ratio of 19.4. A current level of 2.9 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Good (5.6) profitability.
Asset Mix:
Securities (29%), home mtgs (24%), consumer loans (20%), other (27%)
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
3381 Virginia Avenue
Narrows, VA 24124
Narrows, VA 24124
Phone Number
(540) 921-2700
NCUA Charter Number
Website
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