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 (4.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.1 has resulted in Weak (1.1) profitability.
Other Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital combined with 9.6 percent from a year earlier contributes to the Good asset quality (6.0). Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 7.9.
Asset Mix:
Consumer loans (43%), home mtgs (21%), other (36%)
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
2019 Emmorton Road
Bel Air, MD 21015
Bel Air, MD 21015
Phone Number
(410) 676-5700
NCUA Charter Number
Website
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