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 6.7 percent of nonperforming loans to core capital contributes to the Good asset quality (5.2).
Other Rating Factors:
Fair liquidity 5.0, driven by a liquidity ratio of 27.0 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Good (5.8) profitability.
Asset Mix:
Consumer loans (60%), other (40%)
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
Vienna, VA
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