Virginia State University Federal Credit Union
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 (3.0 on a scale of 0 to 10). A current level of 14.2 percent of nonperforming loans to core capital combined with 14.2 percent from a year earlier contributes to the Fair asset quality (3.4).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 24.0 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (66%), other (34%)
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
3401 Boisseau Street
South Chesterfield, VA 23803
South Chesterfield, VA 23803
Phone Number
(804) 526-6708
NCUA Charter Number
Website
Largest Competitors
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