Major Rating Factors:
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:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.8 and a net worth ratio of 19.2. A current level of 2.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8).
Asset Mix:
Home mtgs (19%), consumer loans (10%), comm loans (5%), other (67%)
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
6404 Ivy Lane
Greenbelt, MD 20770
Greenbelt, MD 20770
Phone Number
(301) 289-9800
NCUA Charter Number
Website
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