Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.3 has resulted in Weak (2.1) profitability. A current level of 28.8 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 32.0 percent and a “hot money” ratio of 8.8 percent.
Asset Mix:
Home mtgs (32%), consumer loans (19%), securities (12%), comm loans (2%), other (35%)
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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