Major Rating Factors:
Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 7.9. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.4) profitability.
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Fair liquidity 3.2, driven by a liquidity ratio of 14.0 percent and a “hot money” ratio of 11.1 percent.
Asset Mix:
Home mtgs (30%), 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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