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 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Fair (4.8) profitability.
Asset Mix:
Home mtgs (40%), consumer loans (20%), comm loans (7%), other (33%)
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
5711 Allentown Road
Suitland, MD 20746
Suitland, MD 20746
Phone Number
(301) 702-5500
NCUA Charter Number
Website
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