Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 7.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.7 has resulted in Good (6.3) profitability. A current level of 10.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (52%), home mtgs (19%), securities (5%), comm loans (0%), other (24%)
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
14316 National Highway, SW
La Vale, MD 21502
La Vale, MD 21502
Phone Number
(301) 729-8015
NCUA Charter Number
Website
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Edgewood, MD
Suitland, MD