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 (0.7 on a scale of 0 to 10).
Other Rating Factors:
Weak current capitalization (2.1 on a scale of 0 to 10) based on a net capital to total assets of 4.9 and a net worth ratio of 0.0. Good liquidity 5.7, driven by a liquidity ratio of 60.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (36%), securities (33%), other (31%)
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
50 West Commerce Road
Richmond, VA 23224
Richmond, VA 23224
Phone Number
(804) 233-8872
NCUA Charter Number
Website
Largest Competitors
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA