Chessie Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.4. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.5 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10). A current level of 11.1 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Home mtgs (30%), consumer loans (29%), securities (7%), other (34%)
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
15 Commerce Drive
Cumberland, MD 21502
Cumberland, MD 21502
Phone Number
(301) 777-1781
NCUA Charter Number
Website
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Suitland, MD
Cumberland, MD