Major Rating Factors:
Weak current capitalization (1.5 on a scale of 0 to 10) based on a net capital to total assets of 4.7 and a net worth ratio of 7.8.
Other 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 (1.9 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 16.2 percent and a “hot money” ratio of 8.9 percent.
Asset Mix:
Home mtgs (28%), consumer loans (13%), other (59%)
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
111 Rockville Pike
Rockville, MD 20850
Rockville, MD 20850
Phone Number
(301) 718-0208
NCUA Charter Number
Website
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