Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (1.3) profitability. Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (9.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (21%), consumer loans (13%), securities (0%), other (66%)
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
4605 Commerce Road
Richmond, VA 23234
Richmond, VA 23234
Phone Number
(804) 274-1200
NCUA Charter Number
Website
Largest Competitors
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA