Major Rating Factors:
Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.4 has resulted in Fair (4.9) profitability.
Other Rating Factors:
A current level of 12.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4). Fair liquidity 3.2, driven by a liquidity ratio of 23.5 percent and a “hot money” ratio of 16.6 percent.
Asset Mix:
Consumer loans (52%), home mtgs (19%), securities (5%), 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
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