Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.4. A current level of 7.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Other 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 (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.6 has resulted in Weak (2.9) profitability.
Asset Mix:
Home mtgs (29%), comm loans (22%), consumer loans (16%), other (32%)
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
9800 Technology Way
Largo, MD 20774
Largo, MD 20774
Phone Number
(301) 925-4600
NCUA Charter Number
Website
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