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 (3.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.0 has resulted in Weak (2.7) profitability.
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.0. A current level of 6.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Asset Mix:
Consumer loans (36%), securities (5%), home mtgs (0%), other (58%)
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
203 Booth Street
Elkton, MD 21921
Elkton, MD 21921
Phone Number
(410) 398-6921
NCUA Charter Number
Website
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