Major Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (9.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 11.2. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.2) profitability.
Asset Mix:
Consumer loans (39%), home mtgs (17%), securities (3%), other (42%)
Largest Competitors
Vienna, VA
Tysons, VA
Newport News, VA
Richmond, VA
Fairfax, VA