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 (2.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (3.9) profitability.
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 14.8 percent and a “hot money” ratio of 11.1 percent. Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 8.1.
Asset Mix:
Home mtgs (29%), comm loans (12%), consumer loans (8%), other (50%)
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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