Signal Financial 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 (2.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 1.5 has resulted in Fair (3.2) profitability.
Other Rating Factors:
Weak liquidity 2.1, driven by a liquidity ratio of 3.7 percent and a “hot money” ratio of 14.3 percent. Fair current capitalization (3.2 on a scale of 0 to 10) based on a net capital to total assets of 5.5 and a net worth ratio of 9.4.
Asset Mix:
Home mtgs (32%), consumer loans (13%), other (56%)
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
3015 University Boulevard, West
Kensington, MD 20895
Kensington, MD 20895
Phone Number
(301) 933-9100
NCUA Charter Number
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Suitland, MD
Edgewood, MD