Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 12.6.
Asset Mix:
Consumer loans (29%), home mtgs (20%), other (51%)
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
600 Canal Street
Richmond, VA 23219
Richmond, VA 23219
Phone Number
(800) 268-6928
NCUA Charter Number
Website
Largest Competitors
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA
