Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Good (5.1) profitability.
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 20.7 percent and a “hot money” ratio of 9.8 percent. Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 7.5.
Asset Mix:
Home mtgs (33%), consumer loans (21%), securities (19%), 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
900 West Main Street
Radford, VA 24141
Radford, VA 24141
Phone Number
(540) 639-0885
NCUA Charter Number
Website
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